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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 260th largest bank in the state of Iowa. It is also the 5,286th largest bank in the nation. It was established in 1915 and as of June of 2017, 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
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
Employees7
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.85%
Return on Equity - YTD6.56%
Annual Interest Income$906.00K
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$47.9MM$46.7MM
LoansQ2 2017vs Q2 2016$28.7MM$27.6MM
DepositsQ2 2017vs Q2 2016$31.3MM$32.7MM
Equity CapitalQ2 2017vs Q2 2016$13.5MM$13.5MM
Loan Loss AllowanceQ2 2017vs Q2 2016$284.00K$221.00K
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$0$0
Real Estate OwnedQ2 2017vs Q2 2016$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
0.60%*$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%--NOW Account

Home State Bank (IA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%--18 Month IRA
Locations


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