Flanagan State Bank (FDIC #11734): Bank Stress & Real-Estate Credit Exposure
Flanagan State Bank (FDIC Cert #11734): bank stress 94/100, severe, STABLE over 7 days; parent HOMETOWN FINANCIAL GROUP INC.
Flanagan State Bank (#11734) lends in 4 counties across 2 states; Flanagan State Bank (#11734) reaches 79 ZIP codes: Illinois 3 counties, 69 ZIPs; Montana 1 county, 10 ZIPs.
Flanagan State Bank (#11734) largest markets: Mclean County, IL (99 branches, 33 ZIPs) (#11734), Livingston County, IL (58 branches, 29 ZIPs) (#11734), Woodford County, IL (32 branches, 16 ZIPs) (#11734), Gallatin County, MT (10 branches, 10 ZIPs) (#11734).
Flanagan State Bank (#11734) reports $300.3 million in total assets; Flanagan State Bank (#11734) equity $20.1 million (6.7% of Flanagan State Bank (#11734) assets); Flanagan State Bank (#11734) domestic deposits $277.0 million; Flanagan State Bank (#11734) net income $534,000; Flanagan State Bank (#11734) return on assets 0.35%; Flanagan State Bank (#11734) return on equity 5.31%; Flanagan State Bank (#11734) net interest income $4.9 million; Flanagan State Bank (#11734) call report June 30, 2026.
Flanagan State Bank (#11734) noncurrent real-estate loans: none reported; Flanagan State Bank (#11734) net charge-offs on real estate 0.20%.
Flanagan State Bank (#11734) net interest margin 3.43% against an eight-quarter Flanagan State Bank (#11734) average of 3.17% (Flanagan State Bank (#11734) compression -0.26 points); Flanagan State Bank (#11734) rate-exposure score 40/100, Flanagan State Bank (#11734) fixed-rate trap 40/100; Flanagan State Bank (#11734) risk type credit driven; Flanagan State Bank (#11734) rate regime rates elevated, Flanagan State Bank (#11734) snapshot October 19, 2026.
Flanagan State Bank (#11734) stress score moved from 95.7 on June 22, 2026 to 94.3 on October 19, 2026; Flanagan State Bank (#11734) ranged 94.3 to 95.7 over 116 snapshots.
Flanagan State Bank (#11734) alerts: 4 counties; top Flanagan State Bank (#11734) alert scores: Belgrade County, IL 31 (low); El Paso County, IL 31 (low); Le Roy County, IL 31 (low); Pontiac County, IL 31 (low).