Banks | Home State Bank

Home State Bank


Home State Bank is an FDIC insured institution headquartered at 202 3rd Ave, Royal, IA 51357.
It was founded in 1915 and has approximately $0 billion in assets. Customers can open an account at one of its 1 branches.

Deposit Rates - March 11, 2025

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.55% $10,000 Compare
12 Mo CD
0.70% $10,000 Compare
24 Mo CD
0.75% $10,000 Compare
Special: 36 Mo CD
0.70% $1,000 Compare
36 Mo CD
0.80% $10,000 Compare
48 Mo CD
0.85% $10,000 Compare
MM RATES APY MIN
Money Market
0.10% $2,500 Compare
Money Market
0.15% $10,000 Compare
Money Market
0.15% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.05% $1
Int Ckg
0.05% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 966
Date Established 1915
Assets $ 60.95 million
Loans $ 30.75 million
Deposits $ 46.11 million
Capital $ 13.42 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 2.02 million
Interest-bearing balances $ 1.25 million
Total securities $ 23.79 million
Federal funds sold and reverse repurchase $ 3.67 million
Net loans and leases $ 30.75 million
Loan loss allowance $ 0.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.58 million
     Total Assets $ 47.53 million

LIABILITIES
Total deposits $ 46.11 million
      Interest-bearing deposits $ 39.38 million
      Deposits held in domestic offices $ 46.11 million
      % insured (estimated) 75.22%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.02 millionn
      Total Liabilities $ 47.53 million
      Shareholders’ Equity $ 13.42 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 2.29 million
Total Interest Expense $ 0.96 million
Net interest income $ 1.33 million
Provision for loan and lease losses $ 0.06 million
Total non interest income $ 0.03 million
Total non interest expense $ 0.70 million
Pre-tax Net Operating Income $ 0.30 million

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