Home State Bank, National Association
Crystal Lake, IL
IDRSSD: 696430
Total Assets
$768.00M
Latest filing
Total Deposits
$677.37M
Latest filing
Net Interest Margin
4.10%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Home State Bank, National Association
40 Grant St
Crystal Lake, IL 60014
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1915FDIC Certificate 8117
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Home State Bank, National Association (Main) | 40 Grant St | Crystal Lake, IL |
| RANDALL ROAD BRANCH | 50 W Acorn Ln | Lake In The Hills, IL |
| MCHENRY BANKING CENTER BRANCH | 4401 Prime Pkwy | Mchenry, IL |
| THE FOUNTAINS OF CRYSTAL LAKE BRANCH | 40 Grant St | Crystal Lake, IL |
| WOODSTOCK BANKING CENTER BRANCH | 124 S Johnson St | Woodstock, IL |
| 611 MAIN BANKING CENTER BRANCH | 611 S Main St | Crystal Lake, IL |
| DIAMOND DRIVE BRANCH | 3500 Diamond Dr | Mchenry, IL |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 01/01/1915 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 60014 |
| State and County Number | 17111 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Chicago-Naperville-Elgin, IL-IN-WI |
Operational Info
| Number of Employees | 133 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.homestateonline.com |
| Data Updated | 01/30/2026 |
| CERT | 12815 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $768.00M |
| Total Deposits | $677.37M |
| Total Liabilities | $685.96M |
| Total Equity Capital | $82.05M |
| Net Income | $2.76M |
| Net Loans and Leases | $491.50M |
| Assets Per Employee ($Millions) | $5.82M |
| Bank Premises and Fixed Assets | $12.54M |
| Cash and Balances due from Depository Institutions | $67.51M |
| Deposits Held in Domestic Offices | $677.37M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 13.67% |
| Net Interest Margin | 4.1% |
| Efficiency Ratio | 66.55% |
| Tier 1 Risk-Based Capital Ratio | 18.475% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.25% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.683% |
| Earning Assets to total Assets | 93.77% |
Income and Expense
| Total Interest Income | $9.71M |
| Total Noninterest Income | $2.34M |
| Total Interest Expense | $2.36M |
| Total Noninterest Expense | $6.45M |
| Net Interest Income | $7.35M |
| Pre-tax Net Operating Income | $2.76M |
| Provision for Credit Losses | $480.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $8.59M |
| Total Liabilities and Capital | $768.00M |
Securities
| Securities | $169.28M |
| Available-for-sale debt securities | $169.28M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Home State Bank, National Association?
$768.00M as of the latest filing.
How much are Home State Bank, National Association's total deposits?
$677.37M in total deposits.
Where is Home State Bank, National Association located?
Crystal Lake, IL.
What is the Net Interest Margin?
4.10%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1915.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$491.50M (latest filing).
What is the total interest income (latest filing)?
$9.71M.