HOME STATE BANK

LITCHFIELD, MN | Small | Est. March 23, 1926, midnight | FDIC #9745 | RSSD #983550 | FDIC
Latest Report: 2025-12-31

HOME STATE BANK is asn small FDIC-insured commercial bank headquartered in LITCHFIELD, MN, established in March 23, 1926, midnight. As of 2025-12-31, the bank reported total assets of $209M and total deposits of $183M. Profitability stands at 1.24% ROA and 16.63% ROE, with a net interest margin of 4.22%. The bank's CET1 capital ratio is 15.50%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.03%. FDIC Certificate #9745.

Assets

$209M

Deposits

$183M

Loans

$120M

Equity

$16M

Profitability

Return on Assets (ROA) 1.24%
Return on Equity (ROE) 16.63%
Net Interest Margin (NIM) 4.22%
Yield on Assets 5.39%
Cost of Funds 1.21%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.09%
Texas Ratio 0.03%
NPA Ratio 0.00%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 15.50%
Tier 1 Capital 15.50%
Total Capital Ratio 16.32%
Leverage Ratio 11.63%
Loan-to-Deposit 65.40%

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