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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Jefferson, IA · FDIC certificate #14867
HOME STATE BANK is an FDIC-insured institution based in Jefferson, IA (FDIC certificate #14867). In its Q3 2026 Call Report it reported total assets of $484M, total deposits of $442M and net loans of $378M. Its primary federal regulator is FDIC.
Plain-language readout
HOME STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $486M in Q1 2026 and were lowest at $481M in Q2 2026.
Total deposits were highest at $442M in Q1 2026 and lowest at $437M in Q2 2026.
Over the whole period total assets fell 0.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $484M | $442M | $378M | -0.03% | -0.36% | 3.53% |
| Q2 2026 | $481M | $437M | $378M | -0.27% | -3.15% | 3.67% |
| Q1 2026 | $486M | $442M | $376M | -1.27% | -14.57% | 3.69% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $31.6M | $39.2M | -$7.5M | -19.3% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $50.7M | $49.7M | +$994K | +2.0% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $532K | $3.1M | -$2.6M | -82.8% |
| Net loans and leases (after allowance) | $377.9M | $373.0M | +$4.9M | +1.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $12.3M | $12.5M | -$158K | -1.3% |
| Other real estate owned | $146K | $1.0M | -$895K | -86.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $915K | $938K | -$23K | -2.5% |
| All other assets | $6.6M | $6.3M | +$304K | +4.8% |
| Total assets | $480.7M | $485.7M | -$5.0M | -1.0% |
| Liabilities | ||||
| Total deposits | $436.9M | $442.1M | -$5.2M | -1.2% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.3M | $2.0M | +$299K | +15.1% |
| Total liabilities | $439.2M | $444.1M | -$4.9M | -1.1% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $700K | $700K | $0K | 0.0% |
| Surplus | $11.7M | $11.7M | $0K | 0.0% |
| Retained earnings | $31.6M | $31.6M | +$8K | +0.0% |
| Accumulated other comprehensive income | -$2.6M | -$2.4M | -$114K | -4.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $41.5M | $41.6M | -$106K | -0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $8.7M | $11.0M | -$2.3M | -20.6% |
| Adjusted nonperforming assets | $8.7M | $11.0M | -$2.3M | -20.6% |
| Tangible equity plus allowance | $50.8M | $50.0M | +$744K | +1.5% |
| Texas ratio (gross) | 17.19% | 21.97% | -4.78 pts | See points |
| Texas ratio (adjusted) | 17.19% | 21.97% | -4.78 pts | See points |
| Texas ratio (adjusted, with performing restructured) | Not reported | Not reported | Not reported | See points |
| Tier 1 capital to risk-weighted assets | 10.04% | 10.14% | -0.09 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.04% | 10.14% | -0.09 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.26% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 11.31% | 11.40% | -0.09 pts | See points |
| Tier 1 leverage (approximate) | 8.91% | 9.11% | -0.20 pts | See points |
| Construction and land loans to total capital | 140.85% | 141.30% | -0.46 pts | See points |
| Commercial real estate to total capital | 302.30% | 297.70% | +4.60 pts | See points |
| Dividend payout, year to date | Not reported | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -6.14% | -5.87% | -0.27 pts | See points |
| Liquidity | ||||
| Core deposits | $228.1M | $237.9M | -$9.7M | -4.1% |
| Non-core funding | $208.8M | $204.2M | +$4.6M | +2.2% |
| Loans to core deposits | 170.10% | 160.72% | +9.38 pts | See points |
| Loans to deposits | 88.81% | 86.47% | +2.33 pts | See points |
| Brokered deposits share of deposits | 19.61% | 19.14% | +0.47 pts | See points |
| Pledged securities share of securities | 28.46% | 29.12% | -0.66 pts | See points |
| Loans pledged, share of loans | 6.96% | 7.07% | -0.10 pts | See points |
| Volatile liabilities | $213.6M | $209.0M | +$4.6M | +2.2% |
| Earnings | ||||
| Earnings before provision, year to date | $3.8M | $2.0M | +$1.8M | +88.7% |
| Earnings before provision, single quarter | $1.8M | $2.0M | -$226K | -11.3% |
| Provision for credit losses, year to date | $4.4M | $3.6M | +$875K | +24.6% |
| Yield and cost | ||||
| Yield on loans and leases | 6.48% | 6.55% | -0.06 pts | See points |
| Yield on interest-bearing balances due from banks | 3.50% | 3.55% | -0.05 pts | See points |
| Total interest income to average assets | 5.82% | 5.83% | -0.01 pts | See points |
| Cost of interest-bearing transaction accounts | 3.23% | 3.26% | -0.04 pts | See points |
| Cost of savings and money market deposits | 1.40% | 1.50% | -0.10 pts | See points |
| Cost of time deposits | 3.79% | 3.75% | +0.04 pts | See points |
| Total interest expense to average assets | 2.39% | 2.33% | +0.06 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $484M | $442M | $378M | -0.03% | -0.36% | 3.53% |
| 2026-06-30 | $481M | $437M | $378M | -0.27% | -3.15% | 3.67% |
| 2026-03-31 | $486M | $442M | $376M | -1.27% | -14.57% | 3.69% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IA | $402.6M | 0.32% | 68 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.