Home State Bank (Litchfield, MN)
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Data as of · sourced from FFIEC call reports. How we update
Home State Bank is an FDIC-insured commercial bank headquartered in Litchfield, MN, established in 1926 (FDIC certificate 9745), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $218.9M, up 4.4% from Q2 2025, the 110th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 15.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9745
- Headquarters
- Litchfield, MN
- Established
- 1926
- Total assets, Q2 2026
- $218.9M
- Assets vs Q2 2025
- +4.4%
- CET1 ratio, Q2 2026
- 15.89%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 091915670
- Latest call report
- Q2 2026, FFIEC 041 · Home State Bank call report
- Holding company
- KANDIYOHI BANCSHARES, INC.
- Asset rank in state
- 110th of 221 in Minnesota
Home State Bank, based in Litchfield, Minnesota, reported $219 million in assets at June 30, 2026, up 4.4% from a year earlier. It pays an average of 1.20% on its deposits and borrowings, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also grew deposits 8.7% over the year, about double the median of 4.0% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $9.6 million equal 36% of Tier 1 capital, down from 50% a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.6% and deposits rose 8.7%.
As of June 30, 2026, Home State Bank reported a CET1 capital ratio of 15.89%, a return on assets of 1.14%, a nonperforming-loan ratio of 0.08% and a Texas ratio of 0.54%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Home State Bank is the 110th largest of the 221 banks headquartered in Minnesota. From Q1 2026 to Q2 2026, its total assets fell 2.1% to $218.9M, loans rose 0.4% and deposits fell 1.8%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 31.2% of total loans, followed by commercial and industrial loans at 19.2%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in MN; its Willmar office books 60% of its branch deposits. By the capital ratios in its Q2 2026 call report, Home State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1435 Us Highway 12, Litchfield, MN 55355
- County
- Meeker
- Metro Area
- Willmar, MN
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- March 23, 1926
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $194.3M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $67K
- Average total assets
- $227.4M
- Average total loans
- $121.3M
- Average interest-bearing deposits
- $121.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9745
- Fed RSSD
- 983550
- Website
- www.hsbofmn.com →
- Parent Holding Company
- KANDIYOHI BANCSHARES, INC. (RSSD 1125553)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Home State Bank's total assets moved between a low of $199.3M (Q3 2023) and a high of $223.7M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$218.9M total assets against $209.6M; $201.6M total liabilities against $197.0M.
$120.8M net loans and leases against $118.9M; $194.3M total deposits against $178.7M.
$73.0M securities against $73.0M; $15.9M cash and balances due against $8.6M.
$2.7M total interest income against $2.5M; $602K total interest expense against $585K.
$2.1M net interest income against $1.9M.
$297K total noninterest income against $296K; $1.7M total noninterest expense against $1.6M.
$65K provision for credit losses against $22K.
$649K net income against $620K.
1.14% return on assets against 1.11%; 3.85% net interest margin against 3.76%.
15.89% CET1 capital ratio against 14.72%; 11.81% tier 1 leverage ratio against 11.26%.
Inside the full Home State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHome State Bank rankings
Its closest position to the top of a national ranking is 722 of 2,134, for CET1 ratio; its furthest is 2,936 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.94% (Q3 2024) to 1.17% (Q4 2025) and its net interest margin ran from 3.46% (Q3 2024) to 3.94% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.89% | 1.14% | 0.08% | 0.54% | 3.85% |
| Q1 2026 | 15.46% | 1.13% | 0.01% | 0.09% | 3.86% |
| Q4 2025 | 15.50% | 1.17% | 0.00% | 0.03% | 3.94% |
| Q3 2025 | 14.92% | 1.07% | 0.17% | 1.28% | 3.84% |
| Q2 2025 | 14.72% | 1.11% | 0.44% | 3.79% | 3.76% |
| Q1 2025 | 15.20% | 0.96% | 0.61% | 5.33% | 3.54% |
| Q4 2024 | 14.78% | 1.02% | 0.65% | 5.93% | 3.56% |
| Q3 2024 | 15.17% | 0.94% | 0.00% | 0.00% | 3.46% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Willmar Branch | Willmar , MN | 56201 | $115.8M |
| Home State Bank (main office) | Litchfield , MN | 55355 | $40.0M |
| Home State Bank (main office) | Hutchinson , MN | 55350 | $27.2M |
| Cosmos Branch | Cosmos , MN | 56228 | $11.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 18, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 18, 1995 | Structure Change | Acquired First State Bank of Cosmos Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in MN, rank 138 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $2.8M approved, $2.8M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Home State Bank
What are Home State Bank's total assets?
As of the Q2 2026 filing, Home State Bank reported total assets of $218.9 million in its FFIEC call report.
Where is Home State Bank headquartered?
It is headquartered in Litchfield, MN, United States.
When was Home State Bank founded?
It was established in 1926, per the FDIC institution directory.
Is Home State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home State Bank?
Home State Bank's primary federal regulator is the FDIC.
What is Home State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Home State Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home State Bank's Texas Ratio?
Its Texas Ratio is 0.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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