Branch Network
Home State BANK/N.A. Locations & Branches Crystal Lake, Illinois
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Home State BANK/N.A. operates 7 branches from its headquarters in Crystal Lake, IL, . Its main office is at 40 Grant St, Crystal Lake, IL 60014.
Home State BANK/N.A. branch network
All 7 branches are in ILLINOIS, across 4 cities. Crystal Lake, IL has the most of its branches, 3. Its largest office by deposits is the Home State Bank, National Association office in Crystal Lake, IL, with $469.9M (68.4% of its branch deposits). It had the same number of branches on June 30, 2025.
Home State BANK/N.A. at a glance
Its CET1 capital ratio was 17.60% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $776.0M
- CET1 ratio, Q2 2026
- 17.60%
- Deposit insurance
- FDIC
- Regulator
- OCC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1915
Full financial profile · Is Home State BANK/N.A. safe? · Home State BANK/N.A. Q3 2026 call report, filed October 27, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Crystal Lake, IL (3 branches) | 2 of 13 | 14.7% | $526.0M |
| State: IL (7 branches) | 81 of 379 | <0.1% | $686.6M |
Ranked by total assets among banks headquartered in the state: Largest banks in Illinois.
Share by county and metro area
Home State BANK/N.A.'s share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Mchenry, IL (7 branches) | 5 of 24 | 7.0% | $686.6M | $9.84B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (7 branches) | 60 of 150 | 0.1% | $686.6M | $632.03B |
| 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 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 12815) · FFIEC NIC profile (RSSD 696430)