What is Home State Bank's financial health grade?

Home State Bank has a TFS Financial Health Grade of B+ (score: 81.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Home State Bank have?

Home State Bank has 4 branch locations across the United States.

Is Home State Bank FDIC insured?

Yes, Home State Bank is FDIC insured (Certificate #9745).

What are the total assets of Home State Bank?

Home State Bank has total assets of $208.6M as reported in its most recent FDIC filing.

Home State Bank: Safety Grade & Financial Health

BankLitchfield, Minnesota

www.hsbofmn.com

Total Assets

$208.6M

Total Deposits

$187.7M

Branches

Established

1926

Home State Bank is a bank headquartered in Litchfield, Minnesota, established in 1926. It holds $208.6M in total assets across 4 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Home State Bank earns a TFS Financial Health Grade of B+ (81.8/100) — our editorial assessment, not an official rating or financial advice.

TFS Health Grade

B+

81.8 / 100

Good financial health

How we grade

TFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.

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Capital & Safety

Tier 1 Capital Ratio

11.63%(8%)

Total Capital Ratio

16.32%(10%)

Non-Performing Loan Ratio

0.00%

Profitability

Return on Assets (ROA)

1.14%(1%)

Return on Equity (ROE)

18.17%(10%)

Net Interest Margin

3.95%

Efficiency Ratio

70.24%(60%)

Lending & Liquidity

Total Loans

$119.6M

Loan-to-Deposit Ratio

63.01%

Net Charge-Off Ratio

Other banks in Minnesota

Center National Bank

Bank

Litchfield, MN

$232.7M

B+

Ameriprise Bank, FSB

Bank

Minneapolis, MN

$25.3B

B-

WINGS FINANCIAL

Apple Valley, MN

$9.3B

TRUSTONE FINANCIAL

Growth

Asset Growth (YoY)

-1.33%

Deposit Growth (YoY)

+6.58%

Net Income

$2.4M

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.

No CFPB complaints found for this institution.

Data sourced from CFPB Consumer Complaint Database. 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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Branch	Address	City	State	Type
Home State BankHQ	1435 Us Highway 12	Litchfield	MN	11
Home State Bank	200 Milkyway St S	Cosmos	MN	11
Home State Bank	745 Highway 7 W	Hutchinson	MN	11
Home State Bank	1601 Highway 12 E # 12east	Willmar	MN	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Institution Details

Institution TypeBank

FDIC Certificate #9745

Primary RegulatorFDIC

FDIC/NCUA InsuredYes

Data sourced from FDIC / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.