B
Home State Bank/National Association
Rating Date
August 2026
Risk Based
Capital Ratio
18.85
Leverage
Ratio
11.79
Return On
Assets
1.49%
Total
Assets
775.95M
Capital
81.90M
Total
Deposits
686.57M
Net
Income
5.88M
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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 2.80
Profitability Index 5.60
Stability Index 7.50
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 1.98%
5-Year Asset Growth 2.05%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.01%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.42%
Non-Performing Loans to Loans 0.08%
Balance Sheet Home State Bank/National Association
Crystal Lake, IL 		Click to
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Total Assets 775.95M
Total Deposits 686.57M
Capital and Reserves Home State Bank/National Association
Crystal Lake, IL 		Click to
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Capital 81.90M
Leverage Ratio 11.79
Loan Loss Reserves to Loans 1.23%
Risk-Based Capital Ratio 18.85
Liquidity Home State Bank/National Association
Crystal Lake, IL 		Click to
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Hot Money Ratio 10.41%
Liquidity Ratio 22.35%
Profitability Home State Bank/National Association
Crystal Lake, IL 		Click to
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5-Year Return on Average Assets 1.08%
Net Income 5.88M
Net Interest Spread 4.04%
Operating Profit to Average Assets 1.49%
Overhead Efficiency Ratio 68.01%
Return on Assets 1.49%
Return on Equity 14.23%