Headquartered in Litchfield, Minnesota, Home State Bank is a state-chartered bank with $218.9M in total assets and $194.3M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1926.
Home State Bank has a TellerScore of 83 out of 100 (strong) based on Q2 2026 data — higher than 84% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 28th. Problem-loan coverage contributes the most (99/100, 0.5%); earnings contributes the least (67/100, 1.18%).
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 rose 7 points (76 → 83), mostly because the loan quality component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 73 |
| Q1 2025 | 73 |
| Q2 2025 | 76 |
| Q3 2025 | 79 |
| Q4 2025 | 82 |
| Q1 2026 | 84 |
| Q2 2026 | 83 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.92% |
| Q3 2024 | 11.11% |
| Q4 2024 | 11.09% |
| Q1 2025 | 11.15% |
| Q2 2025 | 11.26% |
| Q3 2025 | 11.47% |
| Q4 2025 | 11.63% |
| Q1 2026 | 11.85% |
| Q2 2026 | 11.81% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.08% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.65% |
| Q1 2025 | 0.61% |
| Q2 2025 | 0.44% |
| Q3 2025 | 0.17% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.01% |
| Q2 2026 | 0.08% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.01% |
| Q3 2024 | 1.00% |
| Q4 2024 | 1.01% |
| Q1 2025 | 1.01% |
| Q2 2025 | 1.09% |
| Q3 2025 | 1.11% |
| Q4 2025 | 1.14% |
| Q1 2026 | 1.16% |
| Q2 2026 | 1.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 83 | $218.9M | 11.81% | 0.08% | 1.18% | 62.2% |
| Q1 2026 | 84 | $223.7M | 11.85% | 0.01% | 1.16% | 60.8% |
| Q4 2025 | 82 | $208.6M | 11.63% | 0.00% | 1.14% | 64.6% |
| Q3 2025 | 79 | $209.4M | 11.47% | 0.17% | 1.11% | 66.1% |
| Q2 2025 | 76 | $209.6M | 11.26% | 0.44% | 1.09% | 66.6% |
| Q1 2025 | 73 | $212.0M | 11.15% | 0.61% | 1.01% | 61.0% |
| Q4 2024 | 73 | $211.4M | 11.09% | 0.65% | 1.01% | 62.6% |
| Q3 2024 | 79 | $206.3M | 11.11% | 0.00% | 1.00% | 63.8% |
| Q2 2024 | 78 | $201.0M | 10.92% | 0.08% | 1.01% | 61.3% |
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 Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lakeview BankBank Lakeville, MN | 58 out of 100, Moderate | $218.3M | 8.9% | 1.00% | vs |
| Commerce BankBank Geneva, MN | 78 out of 100, Strong | $220.0M | 13.9% | 0.60% | vs |
| F & M Community Bank, National AssociationBank Preston, MN | 74 out of 100, Strong | $211.1M | 9.9% | 0.00% | vs |
| Eagle BankBank Glenwood, MN | 89 out of 100, Very strong | $226.9M | 14.3% | 0.58% | vs |
| ESB BankBank Caledonia, MN | 65 out of 100, Moderate | $208.9M | 9.2% | 0.87% | vs |
| The Wanda State BankBank Wanda, MN | 71 out of 100, Strong | $229.8M | 12.1% | 1.12% | vs |
Deposit insurance
Is my money safe at Home State Bank?
Yes. Home State Bank is an FDIC-insured institution (FDIC certificate #9745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.5% of deposits ($32.0M) 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 11.81%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 16.71% (benchmark: 10%).
4 locations
Branches
Home State Bank lists 4 offices in 4 cities. Most locations:
- Cosmos, MN (1)
- Hutchinson, MN (1)
- Litchfield, MN (1)
- Willmar, MN (1)
Identity & history
Profile
- Legal name
- Home State Bank
- Former names
- Home State Bank of Kandiyohi
- Type
- State-chartered bank
- FDIC certificate #
- 9745
- RSSD ID
- 983550
- Primary regulator
- FDIC
- Holding company
- Kandiyohi Bancshares Inc
- Established
- March 23, 1926
- Headquarters
- 1435 Us Highway 12, Litchfield, MN 55355
- Website
- www.hsbofmn.com
- Employees
- 41
Quick answers
Home State Bank: common questions
Is Home State Bank FDIC insured?
Yes. Home State Bank is an FDIC-insured institution (FDIC certificate #9745). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home State Bank's TellerScore?
83 out of 100 (Strong), 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 #9745 in the FDIC failed bank list.
How many branches does Home State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Litchfield
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lake Central BankBank Annandale, MN | 86 out of 100, Very strong | $291.3M | 11.2% | 0.04% | vs |
| PrinsBankBank Prinsburg, MN | 85 out of 100, Very strong | $308.3M | 12.0% | 0.29% | vs |
| Center National BankBank Litchfield, MN | 80 out of 100, Strong | $242.6M | 11.1% | 0.00% | vs |
| Grand Marais State BankBank Grand Marais, MN | 75 out of 100, Strong | $207.2M | 8.4% | 0.10% | vs |
| Southpoint Financial Credit UnionCredit union Sleepy Eye, MN | 73 out of 100, Strong | $608.9M | 11.2% | 0.17% | vs |
| MidCountry BankBank Minneapolis, MN | 72 out of 100, Strong | $1.1B | 13.0% | 0.90% | vs |