Home State BANK/N.A.
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Data as of · sourced from FFIEC call reports. How we update
Home State BANK/N.A. is an FDIC-insured commercial bank headquartered in Crystal Lake, IL, supervised by the OCC, with $776.0M in total assets at Q2 2026, up 2.0% from Q2 2025, the 65th largest of 319 banks headquartered in Illinois. It was established in 1915 and holds FDIC certificate 12815. Its CET1 capital ratio was 17.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 12815
- Headquarters
- Crystal Lake, IL
- Established
- 1915
- Total assets, Q2 2026
- $776.0M
- Assets vs Q2 2025
- +2.0%
- CET1 ratio, Q2 2026
- 17.60%
- Domestic offices
- 7 · Home State BANK/N.A. branches FDIC institution directory, current count
- Routing number
- 071918765
- Safety and soundness
- Is Home State BANK/N.A. safe?
- Latest call report
- Q2 2026, FFIEC 051 · Home State BANK/N.A. Q3 2026 call report, filed October 27, 2026 (preliminary)
- Holding company
- HOME STATE BANCORP, INC.
- Asset rank in state
- 65th of 319 in Illinois
Home State BANK/N.A., based in Crystal Lake, Illinois, reported $776 million in assets at June 30, 2026, up 2.0% from a year earlier. It pays an average of 1.02% on its deposits and borrowings, lower than about 9 in 10 of the 2,627 banks with $100 million to $1 billion in assets (median 1.80%). It also carries problem assets equal to 0.4% of the capital and reserves that would absorb them, a small fraction of the median of 2.7% for banks its size.
Earnings jumped: net income for the quarter was $3.0 million, 36% above the same quarter a year earlier. Over the same year, loans grew 4.8% and deposits grew 1.1%.
As of June 30, 2026, Home State BANK/N.A. reported a CET1 capital ratio of 17.60%, a return on assets of 1.53%, a nonperforming-loan ratio of 0.07% and a Texas ratio of 0.44%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, Home State BANK/N.A. is the 65th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.3% to $776.0M, loans rose 3.8% and deposits fell 0.1%. 1-4 family residential loans made up 39.8% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 20.4%. The FDIC Summary of Deposits lists 7 offices for it, in 4 cities in IL; its Crystal Lake 3 offices book 77% of its branch deposits. On its Q2 2026 call report, Home State BANK/N.A. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 40 Grant St, Crystal Lake, IL 60014
- County
- Mchenry
- Metro Area
- Chicago-Naperville-Elgin, IL-IN
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1915
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 130
- Domestic deposits
- $686.6M
- Allowance for credit losses
- $6.4M
- Net charge-offs (YTD)
- -$18K
- Average total assets
- $792.5M
- Average total loans
- $495.7M
- Average interest-bearing deposits
- $657.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12815
- Fed RSSD
- 696430
- Website
- www.homestateonline.com →
- Parent Holding Company
- HOME STATE BANCORP, INC. (RSSD 1209181)
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
From Q3 2023 to Q2 2026, Home State BANK/N.A.'s total assets ranged from $723.8M (Q3 2023) to $778.1M (Q1 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
$776.0M total assets against $760.9M; $694.1M total liabilities against $685.6M.
$511.3M net loans and leases against $488.3M; $686.6M total deposits against $678.9M.
$169.6M securities against $170.7M; $51.6M cash and balances due against $60.4M.
$9.8M total interest income against $9.1M; $2.2M total interest expense against $2.6M.
$7.6M net interest income against $6.6M.
$2.1M total noninterest income against $2.0M; $6.6M total noninterest expense against $6.4M.
$90K provision for credit losses against $20K.
$3.0M net income against $2.2M.
1.53% return on assets against 1.16%; 4.13% net interest margin against 3.69%.
17.60% CET1 capital ratio against 18.29%; 11.79% tier 1 leverage ratio against 11.71%.
Inside the full Home State BANK/N.A. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHome State BANK/N.A. rankings
Its closest position to the top of a national ranking is 518 of 2,134, for CET1 ratio; its furthest is 3,000 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.88% (Q1 2025) to 1.53% (Q2 2026) and its net interest margin ran from 3.43% (Q1 2025) to 4.13% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.60% | 1.53% | 0.07% | 0.44% | 4.13% |
| Q1 2026 | 18.71% | 1.45% | 0.08% | 0.46% | 3.95% |
| Q4 2025 | 18.47% | 1.40% | 0.05% | 0.29% | 4.03% |
| Q3 2025 | 18.34% | 1.27% | 0.11% | 0.65% | 3.87% |
| Q2 2025 | 18.29% | 1.16% | 0.08% | 0.50% | 3.69% |
| Q1 2025 | 19.04% | 0.88% | 0.08% | 0.49% | 3.43% |
| Q4 2024 | 18.66% | 0.89% | 0.08% | 0.52% | 3.51% |
| Q3 2024 | 18.38% | 1.05% | 0.10% | 0.67% | 3.44% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Home State Bank, National Association | Crystal Lake , IL | 60014 | $469.9M |
| Woodstock Banking Center Branch | Woodstock , IL | 60098 | $63.5M |
| Randall Road Branch | Lake In The Hills , IL | 60156 | $57.1M |
| 611 Main Banking Center Branch | Crystal Lake , IL | 60014 | $56.1M |
| Diamond Drive Branch | Mchenry , IL | 60051 | $25.3M |
| Mchenry Banking Center Branch | Mchenry , IL | 60050 | $14.6M |
| The Fountains of Crystal Lake Branch | Crystal Lake , IL | 60014 | $0 |
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 |
|---|---|---|---|
| July 20, 2011 | Structure Change | Acquired Home State Mortgage Group, Inc. 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 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 15, 2010, OCC: Formal Agreement: Home State Bank / National Association
- Period: Most recent institution action March 15, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 81 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 635 applications, 556 loans originated, $148.7M originated, across 13 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $112K approved, $112K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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/N.A.
What are Home State BANK/N.A.'s total assets?
As of the Q2 2026 filing, Home State BANK/N.A. reported total assets of $776.0 million in its FFIEC call report.
Where is Home State BANK/N.A. headquartered?
It is headquartered in Crystal Lake, IL, United States.
When was Home State BANK/N.A. founded?
It was established in 1915, per the FDIC institution directory.
Is Home State BANK/N.A. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12815). 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/N.A.?
Home State BANK/N.A.'s primary federal regulator is the OCC.
What is Home State BANK/N.A.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.60% 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/N.A. operate?
It operates 7 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/N.A.'s Texas Ratio?
Its Texas Ratio is 0.44% 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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