B
Home State Bank/National Association
Rating Date
October 2025
Risk Based
Capital Ratio
19.55
Leverage
Ratio
11.87
Return On
Assets
1.10%
Total
Assets
759.78M
Capital
79.39M
Total
Deposits
673.51M
Net
Income
6.34M
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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 2.90
Profitability Index 4.70
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 4.35%
5-Year Asset Growth 4.01%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.03%
Non-Performing Loans to Capital 0.57%
Non-Performing Loans to Loans 0.05%
Balance Sheet Home State Bank/National Association
Crystal Lake, IL 		Click to
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Total Assets 759.78M
Total Deposits 673.51M
Capital and Reserves Home State Bank/National Association
Crystal Lake, IL 		Click to
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Capital 79.39M
Leverage Ratio 11.87
Loan Loss Reserves to Loans 1.14%
Risk-Based Capital Ratio 19.55
Liquidity Home State Bank/National Association
Crystal Lake, IL 		Click to
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Hot Money Ratio 9.45%
Liquidity Ratio 23.85%
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 6.34M
Net Interest Spread 3.66%
Operating Profit to Average Assets 1.10%
Overhead Efficiency Ratio 74.24%
Return on Assets 1.10%
Return on Equity 11.19%