Home State Bank (IA)

Overview / Commentary
202 3rd Avenue
Royal, IA 51357

Home State Bank (IA) is headquartered in Royal and is the 235th largest bank in the state of Iowa. It is also the 4,629th largest bank in the nation. It was established in 1915 and as of September of 2021, it had grown to 5 employees at 1 location. Home State Bank (IA) 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 - YTD2.79%
Return on Equity - YTD9.59%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$50.0MM$43.9MM
LoansQ3 2021vs Q3 2020$22.4MM$24.1MM
DepositsQ3 2021vs Q3 2020$35.4MM$29.6MM
Equity CapitalQ3 2021vs Q3 2020$14.6MM$14.2MM
Loan Loss AllowanceQ3 2021vs Q3 2020$358.00K$734.00K
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$0$14.00K
Real Estate OwnedQ3 2021vs Q3 2020$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

0.15%*$250k*-Super Saver Account
OTHER TIERS: 0.05% Up to $100k | 0.10% $100k - $250k
0.15%*$250k*-Business Super Saver Account
OTHER TIERS: 0.05% Up to $100k | 0.10% $100k - $250k
0.05%--Regular Savings
0.05%--Business Regular Savings

Home State Bank (IA) Checking Account Rates

0.05%--NOW Account
0.05%--Business Interest Checking Account

Home State Bank (IA) CD Rates

0.55%$1k-4 Year CD
0.50%$1k-3 Year CD
0.40%$1k-2 Year CD
0.40%$1k-36 Month Invest Choice CD
0.30%$1k-1 Year CD
0.20%$1k-182 Day CD

Home State Bank (IA) IRA Rates

0.50%--18 Month IRA

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

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