Advertisement
Home State Bank, National Association
Crystal Lake, IL · FDIC Certificate #12815 · Chartered 01/0
Total assets
$775.95M
Total deposits
$686.57M
Total equity
$81.90M
Net loans
$511.34M
Branches (offices)
7
Net income (YTD)
$5.88M
Rank: #1,283 of 4,213 U.S. banks by assets · #66 of 322 in Illinois. Assets changed 2.0% and deposits 1.1% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 14.27% |
| Net interest margin (YTD) | 4.10% |
| Equity to assets | 10.55% |
| Tier 1 leverage ratio | 11.79% |
| Uninsured deposits (share of deposits) | 28.5% |
| Noncurrent loans (share of loans) | 0.07% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 74.5% |
| Real estate loans (share of loans) | 95.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $486.53M | 95.1% | |
| Commercial & industrial | $29.63M | 5.8% | |
| Consumer / individual | $1.43M | 0.3% | |
| Construction & development | $38.09M | 7.4% | |
| Agricultural | $5.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $781.44M | $708.37M | $4.10M | $65.22M |
| Jun 2023 | $753.72M | $681.79M | $3.99M | $63.79M |
| Jun 2024 | $726.84M | $642.12M | $3.93M | $67.54M |
| Jun 2025 | $760.92M | $678.90M | $3.89M | $75.32M |
| Jun 2026 | $775.95M | $686.57M | $5.88M | $81.90M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $686.57M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $686.57M.
Similar-sized banks
Harford Bank ($776.63M) · Highland Bank ($775.92M)
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.
Advertisement