Home State Bank

BankJefferson, Iowa
www.hsbankiowa.com

Total Assets

$460.2M

Total Deposits

$417.5M

Branches

2

Established

1934

TFS Health Grade

$
D+

69.3 / 100

Below average financial health

How we grade

Home State Bank is a bank headquartered in Jefferson, Iowa, established in 1934. With $460.2M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D+ (69.3/100).

Capital & Safety

Tier 1 Capital Ratio
9.16%(8%)
Total Capital Ratio
11.31%(10%)
Non-Performing Loan Ratio
2.21%

Profitability

Return on Assets (ROA)
1.12%(1%)
Return on Equity (ROE)
12.92%(10%)
Net Interest Margin
3.73%
Efficiency Ratio
63.43%(60%)

Lending & Liquidity

Total Loans
$371.4M
Loan-to-Deposit Ratio
87.57%
Net Charge-Off Ratio
0.03%

Growth

Asset Growth (YoY)
+6.97%
Deposit Growth (YoY)
+6.90%
Net Income
$5.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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