Overview / Commentary
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.
Health
B+
Data as of Q2 2019
Learn why bank health mattersAdditional 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
| Overall | |
|---|---|
| FDIC Certificate # | 966 |
| Year Established | 1915 |
| Employees | 5 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.29% |
| Return on Equity - YTD | 7.91% |
| Annual Interest Income | $1.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $46.6MM$45.2MM |
| Loans | Q2 2019vs Q2 2018 | $27.0MM$26.8MM |
| Deposits | Q2 2019vs Q2 2018 | $32.9MM$29.9MM |
| Equity Capital | Q2 2019vs Q2 2018 | $13.7MM$12.4MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $734.00K$1.2MM |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $0$0 |
| Real Estate Owned | Q2 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | - | - | NOW Account |
Home State Bank (IA) CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.86% | - | - | 18 Month IRA |
Locations
| Home State Bank (IA) Locations | ||
|---|---|---|
| Home State Bank | Third and Main | Royal, IA 51357 |