Overview / Commentary
Third And Main
Royal, IA 51357

Home State Bank (IA) is headquartered in Royal and is the 254th largest bank in the state of Iowa. It is also the 5,075th largest bank in the nation. It was established in 1915 and as of September of 2018, it had grown to 6 employees at 1 location. Home State Bank (IA)'s CD rates are 2X the national average, and it has a B health rating.


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Home State Bank (IA) has a low asset base.

Health Grade Components

FDIC Certificate #966
Year Established1915
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.58%
Return on Equity - YTD-2.08%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$45.2MM$45.0MM
LoansQ3 2018vs Q3 2017$27.2MM$26.2MM
DepositsQ3 2018vs Q3 2017$28.8MM$30.8MM
Equity CapitalQ3 2018vs Q3 2017$12.6MM$13.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$1.2MM$284.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$1,000$0
Real Estate OwnedQ3 2018vs Q3 2017$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Home State Bank (IA) Savings Account Rates

0.85%*$250k*-Super Saver Account
OTHER TIERS: 0.25% Up to $10k | 0.35% $10k - $50k | 0.55% $50k - $100k | 0.70% $100k - $250k
0.25%--Regular Savings

Home State Bank (IA) Checking Account Rates

0.20%--NOW Account

Home State Bank (IA) CD Rates

2.57%$1k-4 Year CD
2.47%$1k-3 Year CD
2.37%$1k-2 Year CD
2.37%$1k-36 Month Invest Choice CD
2.17%$1k-1 Year CD
1.81%$1k-182 Day CD

Home State Bank (IA) IRA Rates

2.02%--18 Month IRA

Home State Bank (IA) Locations
Home State BankThird and MainRoyal, IA 51357

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