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 Reserve coverage of non-performing loans: 7271.75 percentage points lower than in Q1 2026, at 1397.00%. Within Minnesota, Home State Bank is 151st of 221 on return on assets, 1.14% as of Q2 2026, below the middle of the field. Home State Bank reported 1.14% on return on assets for Q2 2026, 0.11 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.89% |
| Tier 1 risk-based capital ratio | 15.89% |
| Total risk-based capital ratio | 16.71% |
| Tier 1 leverage ratio | 11.81% |
| Equity capital to assets | 7.90% |
| Tangible equity to tangible assets | 7.90% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.18% |
| Texas ratio | 0.54% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 1397.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.14% |
| Return on equity | 15.55% |
| Net interest margin | 3.85% |
| Efficiency ratio | 70.30% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.20% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.90% |
| Core deposits to total deposits | 95.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.77% |
| Securities to assets | 33.33% |
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 | 14.33% | 14.33% | 15.20% | 11.16% | 1.03% |
| Q4 2023 | 14.33% | 14.33% | 15.16% | 11.46% | 1.03% |
| Q1 2024 | 14.72% | 14.72% | 15.57% | 10.84% | 0.99% |
| Q2 2024 | 15.16% | 15.16% | 16.03% | 10.92% | 0.90% |
| Q3 2024 | 15.17% | 15.17% | 16.04% | 11.11% | 0.94% |
| Q4 2024 | 14.78% | 14.78% | 15.63% | 11.09% | 1.02% |
| Q1 2025 | 15.20% | 15.20% | 16.06% | 11.15% | 0.96% |
| Q2 2025 | 14.72% | 14.72% | 15.53% | 11.26% | 1.11% |
| Q3 2025 | 14.92% | 14.92% | 15.73% | 11.47% | 1.07% |
| Q4 2025 | 15.50% | 15.50% | 16.32% | 11.63% | 1.17% |
| Q1 2026 | 15.46% | 15.46% | 16.27% | 11.85% | 1.13% |
| Q2 2026 | 15.89% | 15.89% | 16.71% | 11.81% | 1.14% |
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 9745) · FFIEC NIC profile (RSSD 983550)