Home State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on equity: 22.75 percentage points higher than in Q1 2026, at 8.18%. Home State Bank has the 19th lowest return on assets of the 225 banks headquartered in Iowa, at 0.70% as of Q2 2026. Home State Bank reported 0.70% on return on assets for Q2 2026, 0.55 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.04% |
| Tier 1 risk-based capital ratio | 10.04% |
| Total risk-based capital ratio | 11.31% |
| Tier 1 leverage ratio | 8.91% |
| Equity capital to assets | 8.64% |
| Tangible equity to tangible assets | 8.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.39% |
| Non-performing assets ratio | 2.77% |
| Net charge-off ratio | 0.05% |
| Texas ratio | 26.23% |
| Allowance for credit losses to loans | 2.61% |
| Reserve coverage of non-performing loans | 77.10% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.70% |
| Return on equity | 8.18% |
| Net interest margin | 3.50% |
| Efficiency ratio | 63.12% |
| Yield on earning assets | 5.95% |
| Cost of funds | 2.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.93% |
| Core deposits to total deposits | 52.21% |
| Brokered deposits to total deposits | 19.61% |
| Deposits to assets | 90.89% |
| Securities to assets | 10.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.19% | 10.19% | 11.19% | 9.07% | 1.31% |
| Q4 2023 | 9.81% | 9.81% | 10.82% | 8.85% | 0.65% |
| Q1 2024 | 10.00% | 10.00% | 11.07% | 8.91% | 0.92% |
| Q2 2024 | 10.13% | 10.13% | 11.24% | 9.16% | 0.96% |
| Q3 2024 | 9.98% | 9.98% | 11.09% | 9.32% | 1.41% |
| Q4 2024 | 10.24% | 10.24% | 11.34% | 9.28% | 1.22% |
| Q1 2025 | 10.22% | 10.22% | 11.36% | 9.43% | 1.21% |
| Q2 2025 | 10.41% | 10.41% | 11.59% | 9.32% | 1.25% |
| Q3 2025 | 10.12% | 10.12% | 11.33% | 9.49% | 1.31% |
| Q4 2025 | 10.05% | 10.05% | 11.31% | 9.16% | 0.78% |
| Q1 2026 | 10.14% | 10.14% | 11.40% | 9.11% | -1.26% |
| Q2 2026 | 10.04% | 10.04% | 11.31% | 8.91% | 0.70% |
Home State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14867) · FFIEC NIC profile (RSSD 653947)