HOME STATE BANK
HOME STATE BANK is an FDIC-insured commercial bank headquartered in JEFFERSON, IA, established in 1934. As of , 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 3.46%. CET1 capital ratio: 10.05%, well above regulatory minimums. NPL ratio: 4.19% · Texas Ratio: 33.54%. Operates 2 domestic branches.
Capital & Liquidity
This is just the summary.
The full dashboard covers 4,394 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.
No credit card required
Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Home State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 10.05% | 0.78% | 4.19% | 33.54% | 3.46% |
| 2025-09-30 | 10.12% | 1.28% | 3.62% | 29.65% | 3.94% |
| 2025-06-30 | 10.41% | 1.25% | 0.80% | 6.56% | 3.85% |
| 2025-03-31 | 10.22% | 1.19% | 1.29% | 12.38% | 3.65% |
| 2024-12-31 | 10.24% | 1.22% | 1.42% | 13.54% | 3.61% |
| 2024-09-30 | 9.98% | 1.38% | 1.84% | 15.06% | 3.58% |
| 2024-06-30 | 10.13% | 0.95% | 1.90% | 15.90% | 3.44% |
| 2024-03-31 | 10.00% | 0.92% | 1.89% | 17.06% | 3.34% |
Similar banks
Frequently asked about HOME STATE BANK
What are Home State Bank's total assets?
As of the Q4 2025 filing, Home State Bank reported total assets of $460.2 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Home State Bank headquartered?
Home State Bank is headquartered in JEFFERSON, IA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Home State Bank founded?
Home State Bank was established in 1934, per the FDIC institution directory.
Is Home State Bank FDIC-insured?
Yes. Home State Bank is an FDIC-insured commercial bank (FDIC Certificate #14867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home State Bank?
Home State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Home State Bank's CET1 capital ratio?
Home State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.05% in its most recent quarterly filing — above regulatory minimums.
How many branches does Home State Bank operate?
Home State Bank operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Home State Bank's Texas Ratio?
Home State Bank's Texas Ratio is 33.54% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.