Home State Bank (IA)

Overview / Commentary

www.hsbroyal.com

712-933-5511

202 3rd Avenue
Royal, IA 51357

Home State Bank (IA) is headquartered in Royal and is the 244^th largest bank in the state of Iowa. It is also the 4,805^th largest bank in the nation. It was established in 1915 and as of March of 2020, it had grown to 5 employees at 1 location. Home State Bank (IA) has a B health rating.

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Health

Data as of Q1 2020

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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

Overall
FDIC Certificate #	966
Year Established	1915
Employees	5
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.85%
Return on Equity - YTD	5.97%
Annual Interest Income	$455.00K

Assets and Liabilities
Assets	Q1 2020vs Q1 2019	$42.3MM$46.6MM
Loans	Q1 2020vs Q1 2019	$26.8MM$29.0MM
Deposits	Q1 2020vs Q1 2019	$28.5MM$32.1MM
Equity Capital	Q1 2020vs Q1 2019	$13.6MM$13.2MM
Loan Loss Allowance	Q1 2020vs Q1 2019	$734.00K$734.00K
Unbacked Noncurrent Loans	Q1 2020vs Q1 2019	$3.00K$0
Real Estate Owned	Q1 2020vs Q1 2019	$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
0.35%^*	$250k^*	-	Super Saver Account
OTHER TIERS: 0.10% → Up to $10k \| 0.15% → $10k - $50k \| 0.20% → $50k - $100k \| 0.25% → $100k - $250k
0.10%	-	-	Regular Savings

Home State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	NOW Account

Home State Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.85%	$1k	-	4 Year CD
0.80%	$1k	-	3 Year CD
0.75%	$1k	-	2 Year CD
0.70%	$1k	-	1 Year CD
0.70%	$1k	-	36 Month Invest Choice CD
0.55%	$1k	-	182 Day CD

Home State Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.80%	-	-	18 Month IRA

Locations

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

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