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260 Bucklin Street
La Salle, IL 61301

Hometown National Bank is headquartered in La Salle and is the 210st largest bank in the state of Illinois. It is also the 3,076th largest bank in the nation. It was established in 1880 and as of December of 2013, it had grown to 40 employees at 5 locations. Hometown National Bank's savings rates are 92% higher than the national average, and it has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Hometown National Bank had $2.67 million in non-current loans and owned real-estate with $21.11 million in equity and loan loss allowances on hand to cover it. This gives Hometown National Bank a Texas Ratio of 12.64% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Hometown National Bank experienced no significant changes from 8.24% as of December 31, 2012 to 12.64% as of December 31, 2013, resulting in a negative change of 53.41%. This indicates that the balance sheet and financial strength for Hometown National Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Hometown National Bank has increased its total deposits by $10.35 million, resulting in 6.16% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hometown National Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hometown National Bank has $197.93 million in assets with $21.11 million in equity, resulting in a capitalization level of 10.67%, which is above average.

Institution Statistics

FDIC Certificate #3691
Year Established1880
Primary RegulatorOCC
Assets and Liabilities
Assets$197.93 million
Loans$114.30 million
Deposits$178.39 million
Equity Capital$18.60 million
Loan Loss Allowance$2.51 million
Unbacked Noncurrent Loans$2.20 million
Real Estate Owned$472,000
Historic Data - December 2012
Assets$187.39 million
Equity Capital$18.14 million
Loan Loss Allowance$2.97 million
Unbacked Noncurrent Loans$2.20 million
Real Estate Owned$472,000
Profit Margin - Quarterly
Net Interest Margin3.52%
Return on Assets0.85%
Return on Equity8.95%
Interest Income$6.96 million
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Hometown National Bank Savings Account Rates

1.00%$10k-Health Savings Account
0.55%$10k-Your Way IRA
0.35%$10k-Hometown Green Savings Account
0.20%$1k-Regular Savings Account

Hometown National Bank Money Market Rates

0.45%$100k-Foundations Money Market

Hometown National Bank Checking Account Rates

0.20%$10k-Community NOW Account
0.05%--Hometown Plus Checking
0.05%$1k-Venture Checking

Hometown National Bank Locations
Hometown National Bank Messenger Service Branch260 Bucklin StLA Salle, IL 61301
Hometown National Bank260 Bucklin StreetLA Salle, IL 61301
Peru Branch4141 Venture DrivePeru, IL 61354
Hometown National Bank Messenger Service Branch722 Essington Rd, Ste AJoliet, IL 60435
Joliet Branch722 Essington Road, Suite AJoliet, IL 60435