| Weiss Ratings |
Home State Bank
Royal, IA |
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| Rating | ||||
| Asset Quality Index | 7.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.40 | |||
| Profitability Index | 6.70 | |||
| Stability Index | 6.30 | |||
| Company Info |
Home State Bank
Royal, IA |
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| FDIC Number | 966 | |||
| Phone Number | (712) 933-5511 | |||
| Website | www.hsbroyal.com | |||
| Asset Quality |
Home State Bank
Royal, IA |
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| 1-Year Asset Growth | -7.08% | |||
| 5-Year Asset Growth | 5.30% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.00% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
Home State Bank
Royal, IA |
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| Total Assets | 56.64M | |||
| Total Deposits | 41.71M | |||
| Capital and Reserves |
Home State Bank
Royal, IA |
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| Capital | 13.70M | |||
| Leverage Ratio | 25.18 | |||
| Loan Loss Reserves to Loans | 1.28% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Home State Bank
Royal, IA |
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| Hot Money Ratio | 23.67% | |||
| Liquidity Ratio | 42.31% | |||
| Profitability |
Home State Bank
Royal, IA |
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| 5-Year Return on Average Assets | 1.48% | |||
| Net Income | 745.00K | |||
| Net Interest Spread | 3.50% | |||
| Operating Profit to Average Assets | 1.70% | |||
| Overhead Efficiency Ratio | 49.64% | |||
| Return on Assets | 1.65% | |||
| Return on Equity | 7.57% | |||