Home State BANK/N.A.: 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: 955.94 percentage points higher than in Q1 2026, at 1533.09%. Home State BANK/N.A. ranks 92nd of 323 Illinois banks on return on assets, in the upper half at 1.53% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Home State BANK/N.A. sits 0.28 points higher, at 1.53% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.60% |
| Tier 1 risk-based capital ratio | 17.60% |
| Total risk-based capital ratio | 18.85% |
| Tier 1 leverage ratio | 11.79% |
| Equity capital to assets | 10.55% |
| Tangible equity to tangible assets | 10.55% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.51% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 1533.09% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 14.69% |
| Net interest margin | 4.13% |
| Efficiency ratio | 67.25% |
| Yield on earning assets | 5.32% |
| Cost of funds | 1.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 75.41% |
| Core deposits to total deposits | 95.11% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.48% |
| Securities to assets | 21.86% |
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 | 19.03% | 19.03% | 20.16% | 11.57% | 1.58% |
| Q4 2023 | 18.61% | 18.61% | 19.78% | 11.82% | 0.84% |
| Q1 2024 | 18.78% | 18.78% | 19.96% | 12.06% | 0.92% |
| Q2 2024 | 18.07% | 18.07% | 19.26% | 11.78% | 1.18% |
| Q3 2024 | 18.38% | 18.38% | 19.63% | 11.91% | 1.05% |
| Q4 2024 | 18.66% | 18.66% | 19.91% | 11.95% | 0.89% |
| Q1 2025 | 19.04% | 19.04% | 20.29% | 12.15% | 0.88% |
| Q2 2025 | 18.29% | 18.29% | 19.49% | 11.71% | 1.16% |
| Q3 2025 | 18.34% | 18.34% | 19.55% | 11.87% | 1.27% |
| Q4 2025 | 18.47% | 18.47% | 19.73% | 11.84% | 1.40% |
| Q1 2026 | 18.71% | 18.71% | 19.96% | 12.16% | 1.45% |
| Q2 2026 | 17.60% | 17.60% | 18.85% | 11.79% | 1.53% |
Home State BANK/N.A. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home State BANK/N.A., 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/N.A. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12815) · FFIEC NIC profile (RSSD 696430)