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HOME STATE BANK

ROYAL, IAMicroEst. April 12, 1915, midnightFDIC #966RSSD #472045FDIC
Latest · 2025-12-31

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.

Assets
$59M
Deposits
$45M
Loans
$33M
Equity
$14M

Profitability

Return on Assets (ROA)0.89%
Return on Equity (ROE)3.73%
Net Interest Margin3.76%
Yield on Assets5.44%
Cost of Funds2.04%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.26%

Capital & Liquidity

CET1 Ratio23.83%
Tier 1 Capital23.83%
Total Capital Ratio25.02%
Leverage Ratio24.92%
Loan-to-Deposit73.54%

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