HOME STATE BANK/NATIONAL ASSOCIATION

CRYSTAL LAKE, IL | Medium | Est. Jan. 1, 1915, midnight | FDIC #12815 | RSSD #696430 | OCC
Latest Report: 2025-12-31

HOME STATE BANK/NATIONAL ASSOCIATION is amn medium FDIC-insured commercial bank headquartered in CRYSTAL LAKE, IL, established in Jan. 1, 1915, midnight. As of 2025-12-31, the bank reported total assets of $768M and total deposits of $677M. Profitability stands at 1.44% ROA and 13.67% ROE, with a net interest margin of 4.18%. The bank's CET1 capital ratio is 18.47%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.05% and a Texas Ratio of 0.29%. FDIC Certificate #12815.

Assets

$768M

Deposits

$677M

Loans

$498M

Equity

$82M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 13.67%
Net Interest Margin (NIM) 4.18%
Yield on Assets 5.53%
Cost of Funds 1.40%

Asset Quality

NPL Ratio 0.05%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.29%
NPA Ratio 0.03%
ACL / Loans 1.25%

Capital & Liquidity

CET1 Ratio 18.47%
Tier 1 Capital 18.47%
Total Capital Ratio 19.73%
Leverage Ratio 11.84%
Loan-to-Deposit 73.48%

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