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Home State Bank

$100M-$1B Specialty: Commercial MN FDIC cert 9745

Litchfield, MN

4 branches across MN

2664 banks in the $100M-$1B peer group nationally 152 in MN
View $100M-$1B leaderboard (MN) →

Home State Bank has 2 strengths but faces 2 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

  • + Non-Interest-Bearing Deposit Share 15.41% above tier average
  • + Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.11% below tier average
  • - Efficiency Ratio 3.71% above 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 (MN) National Avg Tier Percentile
Total Assets ? $223.7M
+5.5% YoY +7.2% QoQ
-$162.4M $386.1M
+0.5% YoY
$512.9M
+5.5% YoY
$6.2B
+9.1% YoY
32%
Total Loans ? $120.4M
+8.5% YoY +1.8% QoQ
-$135.3M $255.7M
+1.1% YoY
$288.3M
+6.9% YoY
$3.2B
+10.8% YoY
26%
Total Deposits ? $197.9M
+8.8% YoY +8.2% QoQ
-$130.1M $328.0M
+0.1% YoY
$443.8M
+5.0% YoY
$4.8B
+8.2% YoY
33%
Return on Assets ? 1.16%
+15.4% YoY +2.0% QoQ
-0.11% 1.27%
+12.9% YoY
1.13%
+10.7% YoY
1.23%
+13.4% YoY
47%
Net Interest Margin ? 3.95%
+7.3% YoY -0.1% QoQ
+0.01% 3.93%
+6.0% YoY
3.93%
+7.5% YoY
3.89%
+5.7% YoY
54%
Efficiency Ratio ? 69.00%
-4.7% YoY -1.8% QoQ
+3.71% 65.29%
-4.5% YoY
64.77%
-3.3% YoY
66.95%
-4.1% YoY
35%
Delinquency Rate ? 0.01%
-97.8% YoY +214.4% QoQ
-0.87% 0.89%
+18.8% YoY
1.04%
+28.9% YoY
0.95%
+18.8% YoY
Top 14.5% in tier
Loan-to-Deposit Ratio ? 60.83%
-0.3% YoY -5.9% QoQ
-15.80% 76.64%
+0.8% YoY
76.69%
-0.4% YoY
76.70%
+0.9% YoY
80%
Non-Interest-Bearing Deposit Share ? 37.43%
+1.8% YoY +1.8% QoQ
+15.41% 22.02%
-1.0% YoY
21.87%
-0.9% YoY
22.01%
-1.2% YoY
Top 7.1% in tier
Nonperforming Asset Ratio ? 0.01%
-97.8% YoY +198.4% QoQ
-0.63% 0.64%
+19.7% YoY
0.77%
+27.1% YoY
0.67%
+19.3% YoY
Top 13.1% in tier
Tier 1 Capital Ratio ? 15.46%
+1.8% YoY -0.2% QoQ
-0.37% 15.83%
+1.5% YoY
15.37%
+0.7% YoY
17.06%
+0.8% YoY
69%
Non-Interest Income / Assets ? 0.14%
-3.1% YoY -76.7% QoQ
-0.14% 0.28%
+9.3% YoY
0.16%
+5.0% YoY
0.32%
+4.1% YoY
70%

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 (4 metrics)

190
Non-Interest-Bearing Deposit Share
funding
Value: 37.43%
Peer Median: 22.02%
#190 of 2664 Top 7.1% in $100M-$1B
351
Nonperforming Asset Ratio
credit_quality
Value: 0.01%
Peer Median: 0.64%
#351 of 2664 Top 13.1% in $100M-$1B
387
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.89%
#387 of 2654 Top 14.5% in $100M-$1B
530
Loan-to-Deposit Ratio
liquidity
Value: 60.83%
Peer Median: 76.64%
#530 of 2664 Top 19.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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