B
Home State Bank/National Association
Rating Date
June 2025
Risk Based
Capital Ratio
20.29
Leverage
Ratio
12.15
Return On
Assets
0.88%
Total
Assets
746.85M
Capital
75.78M
Total
Deposits
664.95M
Net
Income
1.66M
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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 3.80
Stability Index 7.30
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 1.85%
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 0.05%
Non-Performing Loans to Capital 0.41%
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 746.85M
Total Deposits 664.95M
Capital and Reserves Home State Bank/National Association
Crystal Lake, IL 		Click to
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Capital 75.78M
Leverage Ratio 12.15
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 20.29
Liquidity Home State Bank/National Association
Crystal Lake, IL 		Click to
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Hot Money Ratio 10.65%
Liquidity Ratio 27.53%
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 1.66M
Net Interest Spread 3.43%
Operating Profit to Average Assets 0.88%
Overhead Efficiency Ratio 78.18%
Return on Assets 0.88%
Return on Equity 9.00%