Home State Bank (IA)

Overview / Commentary
Third And Main
Royal, IA 51357

Home State Bank (IA) is headquartered in Royal and is the 254th largest bank in the state of Iowa. It is also the 5,016th largest bank in the nation. It was established in 1915 and as of December of 2018, it had grown to 6 employees at 1 location. Home State Bank (IA)'s CD rates are 3X the national average, and it 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 - YTD1.06%
Return on Equity - YTD3.74%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$45.8MM$47.8MM
LoansQ4 2018vs Q4 2017$27.6MM$28.9MM
DepositsQ4 2018vs Q4 2017$30.6MM$31.6MM
Equity CapitalQ4 2018vs Q4 2017$13.4MM$13.7MM
Loan Loss AllowanceQ4 2018vs Q4 2017$734.00K$284.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$0
Real Estate OwnedQ4 2018vs Q4 2017$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

0.85%*$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

0.20%--NOW Account

Home State Bank (IA) CD Rates

2.78%$1k-4 Year CD
2.68%$1k-3 Year CD
2.57%$1k-36 Month Invest Choice CD
2.52%$1k-2 Year CD
2.27%$1k-1 Year CD
2.01%$1k-182 Day CD

Home State Bank (IA) IRA Rates

2.27%--18 Month IRA

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

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