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Home State Bank

Jefferson, IA
IDRSSD: 653947
Total Assets
$462.54M
Latest filing
Total Deposits
$420.03M
Latest filing
Net Interest Margin
3.91%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP50129
State and County Number19073
Subchapter S CorporationsYes
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameN/A

Operational Info

Number of Employees58
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance11/10/1934
Primary Insurance AgencyDIF
Websitewww.hsbankiowa.com
Data Updated11/14/2025
CERT14867
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$462.54M
Total Deposits$420.03M
Total Liabilities$422.33M
Total Equity Capital$40.20M
Net Income$1.45M
Net Loans and Leases$365.19M
Assets Per Employee ($Millions)$8.41M
Bank Premises and Fixed Assets$12.78M
Cash and Balances due from Depository Institutions$30.33M
Deposits Held in Domestic Offices$420.03M

Key Performance Ratios

Return on Assets (ROA)1.28%
Return on Equity (ROE)14.72%
Net Interest Margin3.91%
Efficiency Ratio62.63%
Tier 1 Risk-Based Capital Ratio10.118%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.31%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.692%
Earning Assets to total Assets95.23%

Income and Expense

Total Interest Income$6.99M
Total Noninterest Income$823.00k
Total Interest Expense$2.78M
Total Noninterest Expense$3.18M
Net Interest Income$4.21M
Pre-tax Net Operating Income$1.51M
Provision for Credit Losses$350.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$2.30M
Total Liabilities and Capital$462.54M

Securities

Securities$46.90M
Available-for-sale debt securities$46.90M
Equity securities with readily determinable fair values not held for trading$0
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?
$462.54M as of the latest filing.
How much are Home State Bank's total deposits?
$420.03M in total deposits.
Where is Home State Bank located?
Jefferson, IA.
What is the Net Interest Margin?
3.91%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
1.28%.
How much are total loans and leases?
$365.19M (latest filing).
What is the total interest income (latest filing)?
$6.99M.