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Home State Bank
Jefferson, IA · FDIC Certificate #14867 · Chartered 01/0
Total assets
$480.74M
Total deposits
$436.94M
Total equity
$41.52M
Net loans
$378.42M
Branches (offices)
2
Net income (YTD)
-$649.00K
Rank: #1,837 of 4,213 U.S. banks by assets · #68 of 225 in Iowa. Assets changed 8.5% and deposits 8.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.27% |
| Return on equity | -3.15% |
| Net interest margin (YTD) | 3.67% |
| Equity to assets | 8.64% |
| Tier 1 leverage ratio | 8.91% |
| Uninsured deposits (share of deposits) | 6.5% |
| Noncurrent loans (share of loans) | 2.21% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 86.6% |
| Real estate loans (share of loans) | 72.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $275.19M | 72.7% | |
| Commercial & industrial | $65.82M | 17.4% | |
| Consumer / individual | $2.14M | 0.6% | |
| Construction & development | $68.42M | 18.1% | |
| Agricultural | $42.17M | 11.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $345.37M | $312.00M | $3.63M | $28.82M |
| Jun 2023 | $397.30M | $357.33M | $2.82M | $33.33M |
| Jun 2024 | $426.42M | $382.28M | $1.99M | $35.83M |
| Jun 2025 | $443.13M | $402.56M | $2.68M | $38.33M |
| Jun 2026 | $480.74M | $436.94M | -$649.00K | $41.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $436.94M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $436.94M.
Similar-sized banks
Citizens Bank & Trust Company ($480.83M) · Iowa State Bank ($480.55M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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