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Home State Bank

$100M-$1B Specialty: Commercial IA FDIC cert 14867

Jefferson, IA

2 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

Home State Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 5.16% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 2.54% below tier average
  • - Delinquency Rate 1.76% above tier average
  • - Nonperforming Asset Ratio 1.62% above tier average
  • - Net Interest Margin 0.24% below tier average
Get updates when Home State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $485.7M
+9.4% YoY +5.5% QoQ
+$99.6M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
71%
Total Loans ? $376.1M
+8.5% YoY +2.9% QoQ
+$120.4M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
77%
Total Deposits ? $442.1M
+9.4% YoY +5.9% QoQ
+$114.1M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
74%
Return on Assets ? -1.27%
-206.9% YoY -213.1% QoQ
-2.54% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
Bottom 0.9% in tier
Net Interest Margin ? 3.69%
+0.8% YoY -1.1% QoQ
-0.24% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
40%
Efficiency Ratio ? 60.13%
-10.1% YoY -5.2% QoQ
-5.16% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
59%
Delinquency Rate ? 2.64%
+547.1% YoY +18.0% QoQ
+1.76% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
Bottom 7.4% in tier
Loan-to-Deposit Ratio ? 85.06%
-0.9% YoY -2.9% QoQ
+8.42% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
35%
Non-Interest-Bearing Deposit Share ? 19.68%
-8.3% YoY -10.1% QoQ
-2.34% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
44%
Nonperforming Asset Ratio ? 2.26%
+366.5% YoY +27.0% QoQ
+1.62% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
Bottom 5.1% in tier
Tier 1 Capital Ratio ? 10.14%
-0.8% YoY +0.8% QoQ
-5.69% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
Bottom 11.3% in tier
Non-Interest Income / Assets ? 0.19%
+0.2% YoY -72.3% QoQ
-0.09% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
83%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

452
Non-Interest Income / Assets
revenue_mix
Value: 0.19%
Peer Median: 0.28%
#452 of 2664 Top 16.9% in $100M-$1B
609
Total Loans
size
Value: $376.07M
Peer Median: $255.72M
#609 of 2664 Top 22.8% in $100M-$1B

Top Weaknesses (4 metrics)

2640
Return on Assets
profitability
Value: -1.27%
Peer Median: 1.27%
#2640 of 2664 Bottom 0.9% in $100M-$1B
2530
Nonperforming Asset Ratio
credit_quality
Value: 2.26%
Peer Median: 0.64%
#2530 of 2664 Bottom 5.1% in $100M-$1B
2459
Delinquency Rate
credit_quality
Value: 2.64%
Peer Median: 0.89%
#2459 of 2654 Bottom 7.4% in $100M-$1B
2364
Tier 1 Capital Ratio
capital
Value: 10.14%
Peer Median: 15.83%
#2364 of 2664 Bottom 11.3% in $100M-$1B
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