Home State Bank, National Association

BankCrystal Lake, Illinois
www.homestateonline.com

Total Assets

$768.0M

Total Deposits

$677.4M

Branches

7

Established

1915

TFS Health Grade

$
B-

80.3 / 100

Good financial health

How we grade

Home State Bank, National Association is a bank headquartered in Crystal Lake, Illinois, established in 1915. With $768.0M in total assets and 7 branch locations, it has a TFS Financial Health Grade of B- (80.3/100).

Capital & Safety

Tier 1 Capital Ratio
11.84%(8%)
Total Capital Ratio
19.73%(10%)
Non-Performing Loan Ratio
0.05%

Profitability

Return on Assets (ROA)
1.21%(1%)
Return on Equity (ROE)
11.84%(10%)
Net Interest Margin
3.82%
Efficiency Ratio
72.08%(60%)

Lending & Liquidity

Total Loans
$497.7M
Loan-to-Deposit Ratio
72.56%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+4.03%
Deposit Growth (YoY)
+4.61%
Net Income
$9.1M

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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