HOME STATE BANK

JEFFERSON, IA | Small | Est. Jan. 1, 1934, midnight | FDIC #14867 | RSSD #653947 | FDIC
Latest Report: 2025-12-31

HOME STATE BANK is asn small FDIC-insured commercial bank headquartered in JEFFERSON, IA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $460M and total deposits of $418M. Profitability stands at 0.78% ROA and 8.87% ROE, with a net interest margin of 3.61%. The bank's CET1 capital ratio is 10.05%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.21% and a Texas Ratio of 17.64%. FDIC Certificate #14867.

Assets

$460M

Deposits

$418M

Loans

$371M

Equity

$41M

Profitability

Return on Assets (ROA) 0.78%
Return on Equity (ROE) 8.87%
Net Interest Margin (NIM) 3.61%
Yield on Assets 6.26%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 2.21%
Net Charge-Off Ratio 0.03%
Texas Ratio 17.64%
NPA Ratio 1.78%
ACL / Loans 1.55%

Capital & Liquidity

CET1 Ratio 10.05%
Tier 1 Capital 10.05%
Total Capital Ratio 11.31%
Leverage Ratio 9.16%
Loan-to-Deposit 88.96%

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