Home State Bank (IA)


Overview / Commentary
712-933-5511
202 3rd Avenue
Royal, IA 51357

Home State Bank (IA) is headquartered in ROYAL and is the 216th largest bank in the state of Iowa. It is also the 4,174th largest bank in the nation. It was established in 1915 and as of March of 2025, it had grown to 5 employees at 1 location. Home State Bank (IA) has an A health rating.

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Health
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 relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #966
Year Established1915
Employees5
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.69%
Return on Equity - YTD7.71%
Annual Interest Income$738K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$57.7MM$58.9MM
LoansQ1 2025vs Q1 2024$33.1MM$32.6MM
DepositsQ1 2025vs Q1 2024$43.9MM$41.5MM
Equity CapitalQ1 2025vs Q1 2024$12.6MM$12.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$413K$358K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$1,000
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


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

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