HOME STATE BANK is an FDIC-insured commercial bank headquartered in ROYAL, IA, established in April 12, 1915, midnight. As of 2025-12-31, the bank reported total assets of $59M and total deposits of $45M. Profitability stands at 0.89% ROA and 3.73% ROE, with a net interest margin of 3.76%. CET1 capital ratio: 23.83%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.
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