HOME STATE BANK is an 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%. CET1 capital ratio: 10.05%, well above regulatory minimums. NPL ratio: 2.21% · Texas Ratio: 17.64%. Operates 2 domestic branches.
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