B
Home State Bank
Rating Date
June 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Home State Bank
Litchfield, MN
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Rating B
Asset Quality Index 8.30
Capitalization Index 10.00
Liquidity Index 3.90
Profitability Index 4.30
Stability Index 3.60
Company Info Home State Bank
Litchfield, MN
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FDIC Number 9745
Phone Number (320) 593-2001
Website www.hsbofmn.com
Asset Quality Home State Bank
Litchfield, MN
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1-Year Asset Growth 6.02%
5-Year Asset Growth 7.69%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.29%
Non-Performing Loans to Capital 2.62%
Non-Performing Loans to Loans 0.54%
Balance Sheet Home State Bank
Litchfield, MN
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Total Assets 211.95M
Total Deposits 181.92M
Capital and Reserves Home State Bank
Litchfield, MN
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Capital 11.44M
Leverage Ratio 11.15
Loan Loss Reserves to Loans 1.25%
Risk-Based Capital Ratio 16.06
Liquidity Home State Bank
Litchfield, MN
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Hot Money Ratio 10.65%
Liquidity Ratio 29.05%
Profitability Home State Bank
Litchfield, MN
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5-Year Return on Average Assets 1.00%
Net Income 534.00K
Net Interest Spread 3.54%
Operating Profit to Average Assets 1.02%
Overhead Efficiency Ratio 72.37%
Return on Assets 0.96%
Return on Equity 19.24%