Total Assets
$460M
Total balance-sheet footings
FDIC Cert #14867 · Jefferson, Iowa · Est. 1934
Home State Bank - FDIC Bank Health Profile
A community-scale look at Home State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $460M
- Total assets
- B
- Health grade · Good
- 1.12%
- Return on assets
- 10.1%
- Tier 1 capital
Data updated July 2026
The verdict
Home State Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.05% Tier 1, profitable at 1.12% ROA, 63% efficiency ratio.
- #1,906
- largest of 4,313 FDIC banks by assets
- 56th
- percentile by asset size, nationally
- 10.05%
- Tier 1 ratio - above the 10% well-capitalized line
- 52nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Home State Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Home State Bank's composite health score
Tier 1 Capital Ratio (10.05%) 28/40
Return on Assets (ROA) (1.12%) 20/25
Texas Ratio (17.64%) 10/20
Efficiency Ratio (63.43%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$418M
Customer-funded liabilities
Net Loans
$366M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Home State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Home State Bank's score of 66/100 falls in the highlighted band.
Home State Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Home State Bank's $460M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.05% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.05%
Texas Ratio
17.64%
Equity Capital
$41M
Profitability metrics
Return on Assets (ROA)
52nd percentile nationally
1.12%
Return on Equity (ROE)
12.92%
Efficiency Ratio
63.43%
What the numbers say about Home State Bank
Home State Bank is an FDIC-insured institution (Certificate #14867) headquartered in Jefferson, Iowa, established in 1934. It holds $460M in total assets - 1,906th of 4,313 FDIC-insured banks, $418M in customer deposits, and $366M in net loans. Capital-wise, the Tier 1 ratio sits at 10.05%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 17.64%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (66 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Home State Bank sits 73rd of 230 banks headquartered in Iowa by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$27M
Interest Income
$3M
Non-Interest Income
$12M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Home State Bank reports a Texas Ratio of 17.64% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
17.64% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Iowa by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Home State Bank (FDIC Cert #14867) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Iowa
All Iowa banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Principal BankDes Moines | $9.3B | A | 1.24% |
| Bankers Trust CompanyDes Moines | $7.5B | A | 1.10% |
| MidWestOne BankIowa City | $6.3B | A | 1.12% |
| Hills Bank and Trust CompanyHills | $4.6B | A | 1.33% |
| West BankWest Des Moines | $4.1B | A | 0.94% |
| Northwest BankSpencer | $3.0B | B | 1.03% |
| Cedar Rapids Bank and Trust CompanyCedar Rapids | $2.9B | A | 2.83% |
| Quad City Bank and Trust CompanyBettendorf | $2.7B | A | 1.30% |
Frequently asked questions
What is Home State Bank's health grade?▼
Home State Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Home State Bank?▼
Home State Bank holds $460M in total assets and $418M in deposits, ranking 1,906th of 4,313 FDIC-insured banks by asset size. It is headquartered in Jefferson, Iowa.
Is my money safe at Home State Bank?▼
Yes, deposits at Home State Bank (Certificate #14867) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Home State Bank's Tier 1 Capital Ratio?▼
Home State Bank has a Tier 1 Capital Ratio of 10.05%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Home State Bank?▼
Home State Bank has a Texas Ratio of 17.64%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Home State Bank?▼
Home State Bank has an Efficiency Ratio of 63.43%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Home State Bank's profile as a depositor or analyst.
- Home State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Home State Bank against other Iowa banks before moving funds. Iowa banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.