Home State Bank
Litchfield, MN
IDRSSD: 983550
Total Assets
$209.38M
Latest filing
Total Deposits
$181.03M
Latest filing
Net Interest Margin
4.04%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Home State Bank
1435 Us Highway 12
Litchfield, MN 55355
Full Service - Brick and Mortar
Updated 11/14/2025Established 03/23/1926FDIC Certificate 6233
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Home State Bank (Main) | 1435 Us Highway 12 | Litchfield, MN |
| WILLMAR BRANCH | 1601 Highway 12 E # 12east | Willmar, MN |
| HOME STATE BANK | 745 Highway 7 W | Hutchinson, MN |
| COSMOS BRANCH | 200 Milkyway St S | Cosmos, MN |
Showing 3 of 3
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, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 03/23/1926 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 55355 |
| State and County Number | 27093 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 38 |
| Domestic Offices | 4 |
| 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.hsbofmn.com |
| Data Updated | 11/14/2025 |
| CERT | 9745 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $209.38M |
| Total Deposits | $181.03M |
| Total Liabilities | $194.54M |
| Total Equity Capital | $14.85M |
| Net Income | $596.00k |
| Net Loans and Leases | $119.62M |
| Assets Per Employee ($Millions) | $4.99M |
| Bank Premises and Fixed Assets | $3.05M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $181.03M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 17.38% |
| Net Interest Margin | 4.04% |
| Efficiency Ratio | 71.1% |
| Tier 1 Risk-Based Capital Ratio | 14.916% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.09% |
| Earning Assets to total Assets | 93.8% |
Income and Expense
| Total Interest Income | $2.58M |
| Total Noninterest Income | $320.00k |
| Total Interest Expense | $597.00k |
| Total Noninterest Expense | $1.64M |
| Net Interest Income | $1.98M |
| Pre-tax Net Operating Income | $642.00k |
| Provision for Credit Losses | $23.00k |
| 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 | $8.20M |
| Federal Funds Sold & Reverse Repurchase Agreement | $106.00k |
| Federal Funds Purchased and Repurchased Agreement | $3.71M |
| All Other Liabilities | $1.60M |
| Total Liabilities and Capital | $209.38M |
Securities
| Securities | $71.52M |
| Available-for-sale debt securities | $71.52M |
| 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?
$209.38M as of the latest filing.
How much are Home State Bank's total deposits?
$181.03M in total deposits.
Where is Home State Bank located?
Litchfield, MN.
What is the Net Interest Margin?
4.04%.
How many domestic offices does it operate?
4.
When was it established?
03/23/1926.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$119.62M (latest filing).
What is the total interest income (latest filing)?
$2.58M.