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 Home State Bank, National Association
Home State Bank, National Association
| RSSD ID 696430 | CERTIFICATE 12815 | ABA NUMBER 71918765 |
| 40 Grant St |
Quarter Ended : |
2025-12-31 |
| Crystal Lake, Illinois, 60014 |
Updated : |
2026-01-28 |
| www.homestateonline.com |
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| Institution Profile |
| Year Opened : |
1915 |
Institution Type : |
Commercial bank |
| Entity Type : |
Federal |
Federal Regulator : |
OCC |
| Member Federal Reserve : |
Yes |
S-Corp : |
Yes |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
7 |
Number of Employees : |
132 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 768,003 |
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Total Interest Income | 36,944 |
| Total Liabilities | 685,958 |
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Total NonInterest Income | 7,836 |
| Total Bank Equity Capital | 82,045 |
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Total Interest Expense | 9,950 |
| Total Deposits | 677,370 |
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Total NonInterest Expense | 25,115 |
| Net Loans & Leases | 487,214 |
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Net Income | 9,100 |
| Loan Loss Allowance | 6,205 |
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Net Charge Offs | (36) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 99,322 |
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Total loans | 490,602 |
| Total assets for the leverage ratio | 785,614 |
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Loans secured by real estate: | 428,835 |
| Tier 1 Leverage Ratio | 11.84 |
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Commercial and industrial loans | 30,721 |
| Tier 1 Capital Ratio | 18.47 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 19.73 |
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Loans to individuals - Other | 1,700 |
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:· Home State Bank, National Association
