TellerScore

Home State Bank, National Association (FDIC certificate #12815) is based in Crystal Lake, Illinois. Its Q2 2026 call report shows $776.0M in total assets and $686.6M in deposits and 7 offices.

Home State Bank, National Association has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 82% of its 2,650 banks with $100 million – $1 billion. Among 326 banks headquartered in Illinois, it ranks 54th. Problem-loan coverage contributes the most (99/100, 0.4%); capital cushion contributes the least (68/100, 11.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.79%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.07%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity71/100
Loans ÷ deposits and uninsured-deposit share: 74.5% · 28.5% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.44%

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 4 points (78 → 82), mostly because the earnings component improved by 19 points.

TellerScore
788183Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202478
Q4 202478
Q1 202579
Q2 202578
Q3 202578
Q4 202579
Q1 202683
Q2 202682
Tier 1 leverage ratio
5.00%8.58%12.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.78%
Q3 202411.91%
Q4 202411.95%
Q1 202512.15%
Q2 202511.71%
Q3 202511.87%
Q4 202511.84%
Q1 202612.16%
Q2 202611.79%
Noncurrent loans
0.05%0.08%0.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.08%
Q3 20240.10%
Q4 20240.08%
Q1 20250.08%
Q2 20250.08%
Q3 20250.11%
Q4 20250.05%
Q1 20260.08%
Q2 20260.07%
Return on assets
0.89%1.21%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.08%
Q3 20241.08%
Q4 20241.04%
Q1 20250.89%
Q2 20251.04%
Q3 20251.13%
Q4 20251.21%
Q1 20261.47%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$776.0M11.79%0.07%1.52%74.5%
Q1 202683$778.1M12.16%0.08%1.47%71.7%
Q4 202579$768.0M11.84%0.05%1.21%72.6%
Q3 202578$759.8M11.87%0.11%1.13%73.8%
Q2 202578$760.9M11.71%0.08%1.04%71.9%
Q1 202579$746.8M12.15%0.08%0.89%72.0%
Q4 202478$738.3M11.95%0.08%1.04%74.1%
Q3 202478$728.1M11.91%0.10%1.08%75.8%
Q2 202478$726.8M11.78%0.08%1.08%74.8%

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).

Capital ratio11.79%
62nd
Total risk-based capital18.85%
83rd
Problem loans0.07%
76th
Net charge-offs-0.01%
86th
Return on assets1.52%
66th
Net interest margin4.10%
59th
Efficiency ratio68.0%
34th
Loans to deposits74.5%
61st
Uninsured deposits28.5%
33rd
Loan-loss reserves1.23%
55th
Texas ratio0.4%
78th

Similar-size banks in Illinois

InstitutionScoreAssetsCapitalProblem loansCompare
Itasca Bank & Trust Co.Bank Itasca, IL71 out of 100, Strong$770.8M10.6%0.28%vs
First Savings Bank of HegewischBank Chicago, IL84 out of 100, Strong$787.0M14.9%0.06%vs
Sauk Valley Bank & Trust CompanyBank Sterling, IL57 out of 100, Moderate$790.8M8.8%0.87%vs
The Peoples State Bank of Newton, IllinoisBank Newton, IL81 out of 100, Strong$736.7M13.5%0.54%vs
Midwest BankBank Monmouth, IL66 out of 100, Moderate$736.4M8.8%0.32%vs
First Neighbor Bank, National AssociationBank Toledo, IL55 out of 100, Moderate$736.0M10.6%2.00%vs

Deposit insurance

Is my money safe at Home State Bank, National Association?

Yes. Home State Bank, National Association is an FDIC-insured institution (FDIC certificate #12815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 28.5% of deposits ($195.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.85% (benchmark: 10%).

Check how much of your own balance is covered

7 locations

Branches

Home State Bank, National Association lists 5 offices in 4 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Home State Bank, National Association reported 635 home-loan applications under HMDA (LEI 549300AUFLERO59VGC71): 556 originated ($148,710,000 total), 32 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, 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, National Association
Former names
Home State Bank of Crystal Lake
Type
National bank
FDIC certificate #
12815
RSSD ID
696430
Primary regulator
OCC
Holding company
Home State Bcorp Inc
Established
January 1, 1915
Headquarters
40 Grant St, Crystal Lake, IL 60014
Employees
130

Quick answers

Home State Bank, National Association: common questions

Is Home State Bank, National Association FDIC insured?

Yes. Home State Bank, National Association is an FDIC-insured institution (FDIC certificate #12815). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Home State Bank, National Association's TellerScore?

82 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, National Association ever failed?

There is no failure record for FDIC certificate #12815 in the FDIC failed bank list.

How many branches does Home State Bank, National Association have?

7 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Crystal Lake

InstitutionScoreAssetsCapitalProblem loansCompare
First Eagle BankBank Chicago, IL91 out of 100, Very strong$649.6M21.3%0.10%vs
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North Shore BankBank Brookfield, WI84 out of 100, Strong$2.6B14.4%0.10%vs
A.A.E.C. Credit UnionCredit union Arlington Heigh, IL84 out of 100, Strong$118.9M13.0%0.02%vs
Heritage Bank of SchaumburgBank Schaumburg, IL83 out of 100, Strong$150.0M10.9%0.00%vs
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