Home State Bank, National Association

40 Grant Street
Crystal Lake, IL 60014

Notable Rates APY Vs.Others
Savings 0.07% 2.25% →
1-Year CD 0.20% 2.25% →
2-Year CD 0.30% 2.50% →
5-Year CD 0.76% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Home State Bank, National Association is an FDIC insured institution located in Crystal Lake, IL. It was founded in 1915 and has approximately $0.6 billion in assets. Customers can open an account at one of its 8 branches.

FDIC Insured Yes
FDIC Certificate # 12815
Date Established 1915
Assets $0.60 billion
Loans $0.41 billion
Deposits $0.50 billion
Capital $0.08 billion
 

For a more detailed analysis of Home State Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - December 15, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $1,000 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $24,999 Learn MoreShow Less
Money Market
0.30% $25,000 $49,999 Learn MoreShow Less
Premium Money Market Account
0.05% $10,000 $24,999 Learn MoreShow Less
Premium Money Market Account
0.30% $25,000 $49,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.05% $1,000 - Learn MoreShow Less
6 Mo CD
0.10% $1,000 - Learn MoreShow Less
Special: 10 Mo CD
1.55% $1,000 - Learn MoreShow Less
12 Mo CD
0.20% $1,000 - Learn MoreShow Less
18 Mo CD
0.20% $1,000 - Learn MoreShow Less
24 Mo CD
0.30% $1,000 - Learn MoreShow Less
Special: 27 Mo CD
1.65% $1,000 - Learn MoreShow Less
30 Mo CD
0.35% $1,000 - Learn MoreShow Less
36 Mo CD
0.48% $1,000 - Learn MoreShow Less
48 Mo CD
0.58% $1,000 - Learn MoreShow Less
60 Mo CD
0.76% $1,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.85% $1,000 - Learn MoreShow Less
Special: 10 Mo FIRA
1.55% $1,000 - Learn MoreShow Less
Special: 27 Mo FIRA
1.65% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $500 $24,999 Learn MoreShow Less

Loan Rates - December 15, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Home State Bank, National Association

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.034% 4.990% 0.00 $1,250 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
3.625% 3.625% -0.13 ($222) $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info

Note to Home State Bank, National Association
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Home State Bank, National Association branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Home State Bank, National Association Locations


Financial Details

Home State Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Home State Bank, National Association. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Home State Bank, National Association U.S. Bank Average
14.05% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Home State Bank, National Association had $3,759,000 in non-current loans and $7,758,000 in owned real estate. To cover these potential losses it had $77,195,000 in equity and $4,780,000 in loans loss reserves. That gives it a Texas Ratio of 14.05%.

Return on Equity
Home State Bank, National Association U.S. Bank Average
8.48% 9.50%

Home State Bank, National Association has a Return on Equity of 8.48% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Home State Bank, National Association U.S. Bank Average
12.78% 12.76%

Home State Bank, National Association has a Capitalization of 12.78% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Home State Bank, National Association Balance Sheet Analysis

As of June 30, 2019, Home State Bank, National Association had assets of $604,200,000, loans of $406,506,000, and deposits of $503,369,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.12 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.41 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.02 billion
     Total Assets $0.53 billion
LIABILITIES
Total deposits $0.50 billion
      Interest-bearing deposits $0.37 billion
      Deposits held in domestic offices $0.50 billion
      % insured (estimated) 82.33%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.02 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.53 billion
      Shareholders’ Equity $0.08 billion

Summary Income Statement

June 30, 2019
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Home State Bank, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Small Business Loans.

Compared to other banks in Illinois, Home State Bank, National Association has a significantly higher percent of Construction and Development Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 37.83
Multifamily
Mortgages
3.04
Credit Card Loans 0.00
Consumer Auto Loans 0.60
Small Business Loans 13.14
Construction and Development Loans 8.78
Commercial Real Estate 40.70
Commercial and Industrial Loans 9.05
Farm Loans 0.01

Frequently Asked Questions About Home State Bank, National Association

Branches and Savings

Is Home State Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #12815.

Why does Home State Bank, National Association pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Home State Bank, National Association CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Home State Bank, National Association a commercial bank?

Yes

Where are Home State Bank, National Association locations?

See branch locations nearby.

Is Home State Bank, National Association open on Saturdays?

Is Home State Bank, National Association open on Sundays?

What time does Home State Bank, National Association open?

What time does Home State Bank, National Association close?

Are Home State Bank, National Association ATMs Open 24/7?

Do Home State Bank, National Association ATMs accept cash deposits?

Can Home State Bank, National Association customers use other ATMs?

Do Home State Bank, National Association branches have notaries?

Will Home State Bank, National Association notarize my document?

What address for Home State Bank, National Association should I put for incoming ACH transfers?

Will the Home State Bank, National Association branch print checks?

Do Home State Bank, National Association checks expire?

Does Home State Bank, National Association require US citizenship to open account?

Can Home State Bank, National Association close my account?

Does Home State Bank, National Association Report to credit bureaus?

Does Home State Bank, National Association Use Equifax?

What is Home State Bank, National Association's ACH Routing Number?

What is Home State Bank, National Association's SWIFT code?

Products

Does Home State Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Home State Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Home State Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Home State Bank, National Association offer student loans?

Will Home State Bank, National Association cash a check?

Will Home State Bank, National Association redeem a savings bond?

Does Home State Bank, National Association cash savings bonds?

Will Home State Bank, National Association cash money orders?

Can Home State Bank, National Association issue a money order?

Does Home State Bank, National Association do currency exchange?

Background on The Bank

Who owns Home State Bank, National Association?

How long has Home State Bank, National Association been around?

Can Home State Bank, National Association transfer to other banks?

Does Home State Bank, National Association have quick pay?

Does Home State Bank, National Association accept rolled coins?

Will Home State Bank, National Association accept loose change?

Where is Home State Bank, National Association headquarters?

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