Home State Bank (IA)

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.00%	1-year CD	1 Year CD 1.35% - Ally Bank High Yield 12-Month CD
0.15%	Savings	Regular Savings 1.05% - Ally Bank Online Savings Account
1.41%	4-year CD	4 Year CD 1.50% - Ally Bank Raise Your Rate 4-Year CD

View all Home State Bank (IA) rates »

Overview / Commentary

www.hsbroyal.com

712-933-5511

Third And Main
Royal, IA 51357

Home State Bank (IA) is headquartered in Royal and is the 263^rd largest bank in the state of Iowa. It is also the 5,415^th largest bank in the nation. It was established in 1915 and as of December of 2016, it had grown to 7 employees at 1 location. Home State Bank (IA)'s savings rates are 15% higher than the national average, and it has a B health rating.

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Health

B

Data as of Q4 2016

Learn why bank health matters

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 Established	1915
Employees	7
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.87%
Return on Equity - YTD	6.73%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q4 2016vs Q4 2015	$46.8MM$55.4MM
Loans	Q4 2016vs Q4 2015	$26.1MM$24.7MM
Deposits	Q4 2016vs Q4 2015	$32.1MM$42.0MM
Equity Capital	Q4 2016vs Q4 2015	$13.4MM$13.4MM
Loan Loss Allowance	Q4 2016vs Q4 2015	$221.00K$221.00K
Unbacked Noncurrent Loans	Q4 2016vs Q4 2015	$0$1,000
Real Estate Owned	Q4 2016vs Q4 2015	$0$0

Rates

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Checking
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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
0.60%^*	$250k^*	-	Super Saver Account
OTHER TIERS: 0.15% → $500 - $10k \| 0.25% → $10k - $50k \| 0.40% → $50k - $100k \| 0.50% → $100k - $250k
0.15%	-	-	Regular Savings

Home State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.10%	-	-	NOW Account

Home State Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.41%	$1k	-	4 Year CD
1.31%	$1k	-	3 Year CD
1.21%	$1k	-	2 Year CD
1.21%	$1k	-	36 Month Invest Choice CD
1.00%	$1k	-	1 Year CD
0.75%	$1k	-	182 Day CD

Home State Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	-	-	18 Month IRA

Locations

Home State Bank (IA) Locations
Home State Bank	Third and Main	Royal, IA 51357