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Overview / Commentary
712-933-5511
Third And Main
Royal, IA 51357

Home State Bank (IA) is headquartered in Royal and is the 257th largest bank in the state of Iowa. It is also the 5,161st largest bank in the nation. It was established in 1915 and as of March of 2018, it had grown to 6 employees at 1 location. Home State Bank (IA)'s CD rates are 90% higher than the national average, and it has a B 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 low asset base.

Health Grade Components

Overall
FDIC Certificate #966
Year Established1915
Employees6
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD2.04%
Return on Equity - YTD7.2%
Annual Interest Income$472.00K
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$47.0MM$46.8MM
LoansQ1 2018vs Q1 2017$28.4MM$27.6MM
DepositsQ1 2018vs Q1 2017$31.7MM$32.6MM
Equity CapitalQ1 2018vs Q1 2017$13.1MM$13.0MM
Loan Loss AllowanceQ1 2018vs Q1 2017$284.00K$284.00K
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$0$1,000
Real Estate OwnedQ1 2018vs Q1 2017$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$250k*-Super Saver Account
OTHER TIERS: 0.20% $500 - $10k | 0.30% $10k - $50k | 0.45% $50k - $100k | 0.60% $100k - $250k
0.20%--Regular Savings

Home State Bank (IA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--NOW Account

Home State Bank (IA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.12%$1k-4 Year CD
2.02%$1k-3 Year CD
1.91%$1k-2 Year CD
1.91%$1k-36 Month Invest Choice CD
1.71%$1k-1 Year CD
1.35%$1k-182 Day CD

Home State Bank (IA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.41%--18 Month IRA
Locations


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

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