B
Home State Bank/National Association
Rating Date
March 2026
Risk Based
Capital Ratio
19.73
Leverage
Ratio
11.84
Return On
Assets
1.18%
Total
Assets
768.00M
Capital
82.05M
Total
Deposits
677.37M
Net
Income
9.10M
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Weiss Ratings Home State Bank/National Association
Crystal Lake, IL 		Click to
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Rating B
Asset Quality Index 8.90
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 4.80
Stability Index 7.40
Company Info Home State Bank/National Association
Crystal Lake, IL 		Click to
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FDIC Number 12815
Phone Number (815) 459-2000
Website www.homestbk.com
Asset Quality Home State Bank/National Association
Crystal Lake, IL 		Click to
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1-Year Asset Growth 4.03%
5-Year Asset Growth 2.05%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.12%
Non-Performing Loans to Capital 0.60%
Non-Performing Loans to Loans 0.19%
Balance Sheet Home State Bank/National Association
Crystal Lake, IL 		Click to
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Total Assets 768.00M
Total Deposits 677.37M
Capital and Reserves Home State Bank/National Association
Crystal Lake, IL 		Click to
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Capital 82.05M
Leverage Ratio 11.84
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 19.73
Liquidity Home State Bank/National Association
Crystal Lake, IL 		Click to
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Hot Money Ratio 9.54%
Liquidity Ratio 25.84%
Profitability Home State Bank/National Association
Crystal Lake, IL 		Click to
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5-Year Return on Average Assets 1.03%
Net Income 9.10M
Net Interest Spread 3.76%
Operating Profit to Average Assets 1.18%
Overhead Efficiency Ratio 72.11%
Return on Assets 1.18%
Return on Equity 11.84%