Home State Bank is a state-chartered bank headquartered in Jefferson, Iowa, in business for about 92 years. At the end of Q2 2026 it reported $480.7M in total assets and $436.9M in deposits, with 2 offices.
Based on its Q2 2026 filing, Home State Bank scores 38/100, which we describe as low. That is higher than only 2% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 222nd. Its strongest component is funding & liquidity (74/100; 87% loans-to-deposits, 6% uninsured), and its lowest is earnings (9/100; -0.27%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 33 points (71 → 38), mostly because the loan quality component weakened by 74 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 65 |
| Q3 2024 | 66 |
| Q4 2024 | 69 |
| Q1 2025 | 67 |
| Q2 2025 | 71 |
| Q3 2025 | 68 |
| Q4 2025 | 50 |
| Q1 2026 | 30 |
| Q2 2026 | 38 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.16% |
| Q3 2024 | 9.32% |
| Q4 2024 | 9.28% |
| Q1 2025 | 9.43% |
| Q2 2025 | 9.32% |
| Q3 2025 | 9.49% |
| Q4 2025 | 9.16% |
| Q1 2026 | 9.11% |
| Q2 2026 | 8.91% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.44% |
| Q3 2024 | 0.42% |
| Q4 2024 | 0.09% |
| Q1 2025 | 0.40% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.32% |
| Q4 2025 | 2.21% |
| Q1 2026 | 2.58% |
| Q2 2026 | 2.21% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.94% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.12% |
| Q1 2025 | 1.19% |
| Q2 2025 | 1.22% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.12% |
| Q1 2026 | -1.27% |
| Q2 2026 | -0.27% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 38 | $480.7M | 8.91% | 2.21% | -0.27% | 86.6% |
| Q1 2026 | 30 | $485.7M | 9.11% | 2.58% | -1.27% | 85.1% |
| Q4 2025 | 50 | $460.2M | 9.16% | 2.21% | 1.12% | 87.6% |
| Q3 2025 | 68 | $462.5M | 9.49% | 0.32% | 1.24% | 86.9% |
| Q2 2025 | 71 | $443.1M | 9.32% | 0.00% | 1.22% | 86.9% |
| Q1 2025 | 67 | $444.1M | 9.43% | 0.40% | 1.19% | 85.8% |
| Q4 2024 | 69 | $430.2M | 9.28% | 0.09% | 1.12% | 86.9% |
| Q3 2024 | 66 | $431.1M | 9.32% | 0.42% | 1.09% | 87.7% |
| Q2 2024 | 65 | $426.4M | 9.16% | 0.44% | 0.94% | 86.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| American Bank and Trust Company, National AssociationBank Davenport, IA | 61 out of 100, Moderate | $480.9M | 10.1% | 0.86% | vs |
| Iowa State BankBank Des Moines, IA | 95 out of 100, Very strong | $480.5M | 15.9% | 0.00% | vs |
| Rolling Hills Bank & TrustBank Atlantic, IA | 77 out of 100, Strong | $484.4M | 11.8% | 0.30% | vs |
| Raccoon Valley BankBank Perry, IA | 66 out of 100, Moderate | $486.0M | 9.6% | 0.74% | vs |
| Iowa State BankBank Algona, IA | 73 out of 100, Strong | $470.7M | 11.2% | 0.15% | vs |
| Security State BankBank Sutherland, IA | 77 out of 100, Strong | $492.3M | 11.1% | 0.23% | vs |
Deposit insurance
Is my money safe at Home State Bank?
Yes. Home State Bank is an FDIC-insured institution (FDIC certificate #14867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 6.5% of deposits ($28.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.91%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.31% (benchmark: 10%).
2 locations
Branches
Home State Bank lists 2 offices in 2 cities. Most locations:
- Jefferson, IA (1)
- Polk City, IA (1)
HMDA 2025
Mortgage lending
In 2025, Home State Bank reported 88 home-loan applications under HMDA (LEI 549300XXX5RVRVYNKY79): 78 originated ($25,950,000 total), 5 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Home State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14867
- RSSD ID
- 653947
- Primary regulator
- FDIC
- Holding company
- Greene Investment Co
- Established
- January 1, 1934
- Headquarters
- 115 W State St, Jefferson, IA 50129
- Website
- www.hsbankiowa.com
- Employees
- 58
Quick answers
Home State Bank: common questions
Is Home State Bank FDIC insured?
Yes. Home State Bank is an FDIC-insured institution (FDIC certificate #14867). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home State Bank's TellerScore?
38 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Home State Bank ever failed?
There is no failure record for FDIC certificate #14867 in the FDIC failed bank list.
How many branches does Home State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Jefferson
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers State BankBank Yale, IA | 90 out of 100, Very strong | $72.6M | 12.0% | 0.00% | vs |
| Community State BankBank Paton, IA | 89 out of 100, Very strong | $41.4M | 20.2% | 0.00% | vs |
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| Heartland BankBank Somers, IA | 79 out of 100, Strong | $256.1M | 13.2% | 0.81% | vs |
| Rolling Hills Bank & TrustBank Atlantic, IA | 77 out of 100, Strong | $484.4M | 11.8% | 0.30% | vs |
| The Family Credit UnionCredit union Davenport, IA | 75 out of 100, Strong | $253.3M | 14.0% | 1.10% | vs |