Home State Bank (IA)

Overview / Commentary
Third And Main
Royal, IA 51357

Home State Bank (IA) is headquartered in Royal and is the 246th largest bank in the state of Iowa. It is also the 4,904th largest bank in the nation. It was established in 1915 and as of June of 2019, it had grown to 5 employees at 1 location. Home State Bank (IA)'s CD rates are 84% higher than 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 - YTD2.29%
Return on Equity - YTD7.91%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$46.6MM$45.2MM
LoansQ2 2019vs Q2 2018$27.0MM$26.8MM
DepositsQ2 2019vs Q2 2018$32.9MM$29.9MM
Equity CapitalQ2 2019vs Q2 2018$13.7MM$12.4MM
Loan Loss AllowanceQ2 2019vs Q2 2018$734.00K$1.2MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$0$0
Real Estate OwnedQ2 2019vs Q2 2018$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

2.12%$1k-4 Year CD
2.02%$1k-3 Year CD
1.91%$1k-36 Month Invest Choice CD
1.86%$1k-2 Year CD
1.66%$1k-1 Year CD
1.40%$1k-182 Day CD

Home State Bank (IA) IRA Rates

1.86%--18 Month IRA

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

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