BanksHOME STATE BANK

HOME STATE BANK

JEFFERSON, IASmallEst. Jan. 1, 1934, midnightFDIC #14867RSSD #653947FDIC
Latest · 2025-12-31

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.

Assets
$460M
Deposits
$418M
Loans
$371M
Equity
$41M

Profitability

Return on Assets (ROA)0.78%
Return on Equity (ROE)8.87%
Net Interest Margin3.61%
Yield on Assets6.26%
Cost of Funds2.69%

Asset Quality

NPL Ratio2.21%
Net Charge-Off Ratio0.03%
Texas Ratio17.64%
NPA Ratio1.78%
ACL / Loans1.55%

Capital & Liquidity

CET1 Ratio10.05%
Tier 1 Capital10.05%
Total Capital Ratio11.31%
Leverage Ratio9.16%
Loan-to-Deposit88.96%

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