Home State Bank Mortgage Rates, Fees & Info

Crystal Lake, IL

LEI: 549300AUFLERO59VGC71

Tax ID: 36-1232000

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Mortgage Data

Bank Data

Review & Overview

Home State Bank is a smaller bank specializing in Refi and Home Purchase loans. Home State Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Chicago, Racine, Miami, Milwaukee, and Whitewater among others. We have data for 74 markets. (Some data included below & more in-depth data is available with an active subscription.)

Home State Bank has an above average approval rate when compared to the average across all lenders. They have an above average pick rate when compared to similar lenders. Home State Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

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SimulatedRates™

Mortgage Type
Simulated Rate Simulation Date
30 Year Conventional Purchase 6.61% 3/28/24
30 Year Conventional Refi 6.47% 3/28/24
30 Year Cash-out Refi 6.45% 3/28/24
30 Year FHA Purchase 7.42% 3/28/24
30 Year FHA Refi 6.87% 3/28/24
30 Year VA Purchase 6.34% 3/28/24
30 Year USDA Purchase 6.84% 3/28/24
15 Year Conventional Purchase 5.92% 3/28/24
15 Year Conventional Refi 5.78% 3/28/24
15 Year Cash-out Refi 5.78% 3/28/24
These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

Home State Bank Mortgage Calculator






Your Estimates

Estimated Loan Payment: Update the calculator values and click calculate payment!

This is not an official calculator from Home State Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

The default purchase price is the median sales price across the US for 2022Q4, per FRED.


Originations

1,722

Origination Dollar Volume (All Markets)

$435,330,000

Employee count

158

Awards

Home State Bank 30 Year Conventional Loans gold Home State Bank FHA Loans gold Home State Bank 30 Year Conventional Loans gold Home State Bank FHA Loans silver
Show all (4) awards

Top Markets

Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

Market Originations Total Value Average Loan Average Fees Average Rate
Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1,382 $346,950,000 $251,049 $3,335 3.12%
RACINE, WI (FHA|USDA|VA) 87 $18,535,000 $213,046 $2,555 3.15%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 36 $10,810,000 $300,278 $3,739 3.29%
MILWAUKEE-WAUKESHA, WI (FHA|USDA|VA) 36 $8,070,000 $224,167 $2,764 3.05%
Whitewater, WI (FHA|USDA|VA) 29 $6,415,000 $221,207 $2,944 3.06%
MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) 11 $3,745,000 $340,455 $3,061 3.24%
Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 7 $2,475,000 $353,571 $3,120 2.95%
ROCKFORD, IL (FHA|USDA|VA) 17 $2,225,000 $130,882 $4,282 3.16%
New York-Newark-Jersey City, NY-NJ-PA (FHA|USDA|VA) 5 $2,195,000 $439,000 $4,630 3.23%
CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) 4 $1,560,000 $390,000 $3,605 3.16%
Detroit-Warren-Dearborn, MI (FHA|USDA|VA) 4 $1,490,000 $372,500 $3,296 2.84%
Outside of Metro Areas 6 $1,470,000 $245,000 $3,189 3.00%
RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 3 $1,425,000 $475,000 $2,730 2.83%
MADISON, WI (FHA|USDA|VA) 5 $1,305,000 $261,000 $2,534 3.00%
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 4 $1,280,000 $320,000 $4,146 3.50%
KANSAS CITY, MO-KS (FHA|USDA|VA) 3 $1,275,000 $425,000 $2,990 2.67%
PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 4 $1,240,000 $310,000 $3,475 3.37%
TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 3 $1,155,000 $385,000 $3,496 3.17%
NILES, MI (FHA|USDA|VA) 3 $1,105,000 $368,333 $3,436 3.17%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 2 $930,000 $465,000 $3,438 3.13%
LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $920,000 $460,000 $3,081 2.94%
COLUMBUS, OH (FHA|USDA|VA) 2 $860,000 $430,000 $3,153 3.00%
KNOXVILLE, TN (FHA|USDA|VA) 3 $855,000 $285,000 $3,268 3.50%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $765,000 $765,000 $7,540 2.63%
OLYMPIA-LACEY-TUMWATER, WA (FHA|USDA|VA) 2 $570,000 $285,000 $2,802 2.63%
KAHULUI-WAILUKU-LAHAINA, HI (FHA|USDA|VA) 1 $565,000 $565,000 $4,114 3.13%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 2 $520,000 $260,000 $2,736 2.94%
Alexander City, AL (FHA|USDA|VA) 1 $515,000 $515,000 $4,059 2.63%
BALTIMORE-COLUMBIA-TOWSON, MD (FHA|USDA|VA) 1 $515,000 $515,000 $2,857 2.75%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $515,000 $515,000 $3,301 2.38%
NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $515,000 $515,000 $5,157 3.13%
Plymouth, IN (FHA|USDA|VA) 1 $515,000 $515,000 $2,623 3.00%
PORTLAND-VANCOUVER-HILLSBORO, OR-WA (FHA|USDA|VA) 1 $505,000 $505,000 $3,655 3.12%
SANTA MARIA-SANTA BARBARA, CA (FHA|USDA|VA) 1 $495,000 $495,000 $3,264 2.38%
North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) 3 $495,000 $165,000 $3,466 2.75%
ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 2 $460,000 $230,000 $2,890 4.25%
OSHKOSH-NEENAH, WI (FHA|USDA|VA) 2 $450,000 $225,000 $2,419 3.25%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $440,000 $220,000 $2,952 3.02%
SOUTH BEND-MISHAWAKA, IN-MI (FHA|USDA|VA) 1 $425,000 $425,000 $2,792 3.38%
PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $405,000 $405,000 $2,209 3.38%
BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $395,000 $395,000 $2,817 3.00%
CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 2 $390,000 $195,000 $3,359 3.25%
BEND, OR (FHA|USDA|VA) 1 $375,000 $375,000 $4,144 2.50%
Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) 1 $365,000 $365,000 $3,770 3.13%
KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) 1 $355,000 $355,000 $3,563 5.50%
Okeechobee, FL (FHA|USDA|VA) 1 $345,000 $345,000 $3,679 3.50%
SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $345,000 $345,000 $3,270 3.50%
Key West, FL (FHA|USDA|VA) 1 $345,000 $345,000 $4,569 3.63%
Wisconsin Rapids-Marshfield, WI (FHA|USDA|VA) 2 $330,000 $165,000 $4,446 3.44%
Watertown-Fort Atkinson, WI (FHA|USDA|VA) 1 $325,000 $325,000 $2,878 2.50%
JANESVILLE-BELOIT, WI (FHA|USDA|VA) 2 $310,000 $155,000 $2,607 2.81%
Sevierville, TN (FHA|USDA|VA) 1 $305,000 $305,000 $3,406 3.99%
Rochelle, IL (FHA|USDA|VA) 2 $290,000 $145,000 $2,797 3.00%
MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) 1 $285,000 $285,000 $3,011 3.00%
HOMOSASSA SPRINGS, FL (FHA|USDA|VA) 1 $275,000 $275,000 $2,547 3.25%
KANKAKEE, IL (FHA|USDA|VA) 2 $270,000 $135,000 $4,503 2.50%
THE VILLAGES, FL (FHA|USDA|VA) 2 $270,000 $135,000 $2,463 2.38%
GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $265,000 $265,000 $2,782 2.88%
Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $245,000 $245,000 $4,308 3.25%
Shelton, WA (FHA|USDA|VA) 1 $215,000 $215,000 $4,097 3.38%
Celina, OH (FHA|USDA|VA) 1 $215,000 $215,000 $3,206 3.25%
ELIZABETHTOWN-FORT KNOX, KY (FHA|USDA|VA) 1 $195,000 $195,000 $3,297 3.00%
CINCINNATI, OH-KY-IN (FHA|USDA|VA) 1 $185,000 $185,000 $2,997 2.88%
SPRINGFIELD, MO (FHA|USDA|VA) 1 $175,000 $175,000 $7,805 2.99%
APPLETON, WI (FHA|USDA|VA) 1 $165,000 $165,000 $1,944 3.88%
ASHEVILLE, NC (FHA|USDA|VA) 1 $165,000 $165,000 $2,702 3.50%
FORT WAYNE, IN (FHA|USDA|VA) 1 $155,000 $155,000 $2,084 3.63%
SIOUX FALLS, SD (FHA|USDA|VA) 1 $145,000 $145,000 $0 4.38%
PORT ST. LUCIE, FL (FHA|USDA|VA) 1 $145,000 $145,000 $3,064 3.75%
SPARTANBURG, SC (FHA|USDA|VA) 1 $135,000 $135,000 $3,908 3.63%
PEORIA, IL (FHA|USDA|VA) 1 $125,000 $125,000 $2,397 3.75%
CHATTANOOGA, TN-GA (FHA|USDA|VA) 1 $105,000 $105,000 $2,990 2.63%
FOND DU LAC, WI (FHA|USDA|VA) 1 $85,000 $85,000 $0 3.38%
OCALA, FL (FHA|USDA|VA) 1 $75,000 $75,000 $2,279 3.00%
Home State Bank's top markets include Chicago, Racine, Miami, Milwaukee, and Whitewater among others.

Their top states include:
  • Illinois (FHA|USDA|VA)
  • Wisconsin (FHA|USDA|VA)
  • Florida (FHA|USDA|VA)
  • Indiana (FHA|USDA|VA)
  • Minnesota (FHA|USDA|VA)
  • Similar Lenders

    We use machine learning to identify the top lenders compared against Home State Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 1,632 $416,920,000 $255,466 $3,054 3.13%
    FHA 90 $18,410,000 $204,556 $7,470 3.00%

    For 2020, Home State Bank's most frequently originated type of loan was Conventional, with 1,632 originations. Their 2nd most popular type was FHA, with 90 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 906 $245,190,000 $270,629 $2,499 3.07%
    Home Purchase 593 $139,755,000 $235,675 $4,896 3.22%
    Cash Out Refi 206 $46,300,000 $224,757 $2,494 3.06%
    Other 12 $2,750,000 $229,167 $2,230 3.65%
    Home Improvement 5 $1,335,000 $267,000 $2,349 3.23%

    For 2020, Home State Bank's most frequently cited loan purpose was Refi, with 906 originations. The 2nd most popular reason was Home Purchase, with 593 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 1,235 $322,415,000 $261,065 $3,611 3.21%
    15 Year 289 $66,585,000 $230,398 $2,422 2.64%
    20 Year 123 $29,545,000 $240,203 $2,382 3.06%
    5 Year 28 $5,790,000 $206,786 $0 4.30%
    10 Year 25 $3,595,000 $143,800 $2,030 3.11%
    Other 16 $5,200,000 $325,000 $2,648 3.50%
    1 Year 4 $880,000 $220,000 $0 4.56%
    30+ year 2 $1,320,000 $660,000 $9,161 4.25%

    For 2020, Home State Bank's most frequently cited loan duration was 30 Year, with 1,235 originations. The 2nd most popular length was 15 Year, with 289 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $1k-2k 1,542 $398,760,000 $258,599
    $2k-3k 15 $2,825,000 $188,333
    $3k-4k 12 $2,280,000 $190,000
    $<1k 10 $430,000 $43,000
    $4k-5k 3 $1,135,000 $378,333
    $5k+ 2 $1,980,000 $990,000

    Home State Bank's average total fees were $3,611, while their most frequently occuring range of origination fees (closing costs) were in the $1k-2k bucket, with 1,542 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 738 $200,420,000 $271,572
    2.5-3% 656 $160,650,000 $244,893
    <2.5% 212 $50,760,000 $239,434
    4-5% 90 $22,370,000 $248,556
    5-6% 4 $970,000 $242,500
    6-7% 1 $35,000 $35,000
    7-8% 1 $5,000 $5,000

    During 2020, Home State Bank's average interest rate for loans was 3.21%, while their most frequently originated rate bucket for loans was 3-4%, with 738 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 771 $217,705,000 $282,367 $3,337 3.14%
    $100k-200k 587 $90,395,000 $153,995 $3,212 3.06%
    $400k-600k 222 $105,590,000 $475,631 $3,380 3.10%
    $100,000 or less 125 $8,245,000 $65,960 $2,824 3.26%
    $600k-1MM 16 $12,130,000 $758,125 $5,338 3.86%
    $1MM+ 1 $1,265,000 $1,265,000 $12,449 4.00%

    2020 saw Home State Bank place emphasis on $200k-400k loans with 771 originations, totaling $217,705,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 473 $125,065,000 $264,408 $3,145 3.12%
    $150k-250k 315 $103,925,000 $329,921 $3,161 3.15%
    $50k-75k 298 $52,190,000 $175,134 $3,507 3.06%
    $75k-100k 283 $60,335,000 $213,198 $3,292 3.10%
    $250k+ 162 $63,900,000 $394,444 $3,080 3.06%
    $50k or less 154 $18,430,000 $119,675 $3,636 3.11%

    Home State Bank lent most frequently to those with incomes in the $100k-150k range, with 473 originations. The second most popular income band? $150k-250k, with 315 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 420 $108,870,000 $259,214 $3,007 3.06%
    30-36% 321 $79,955,000 $249,081 $3,286 3.09%
    <20% 200 $53,470,000 $267,350 $2,796 2.94%
    44% 73 $17,805,000 $243,904 $3,852 3.21%
    41% 64 $14,620,000 $228,438 $3,508 3.15%
    43% 62 $14,440,000 $232,903 $3,082 3.17%
    42% 58 $12,830,000 $221,207 $3,414 3.11%
    40% 55 $14,855,000 $270,091 $2,999 3.32%
    38% 53 $14,845,000 $280,094 $3,666 3.14%
    36% 51 $13,935,000 $273,235 $3,578 3.15%
    49% 50 $11,310,000 $226,200 $4,481 3.07%
    39% 50 $10,950,000 $219,000 $3,680 3.11%
    37% 48 $11,040,000 $230,000 $3,098 3.15%
    48% 48 $10,580,000 $220,417 $3,557 3.05%
    47% 46 $13,610,000 $295,870 $3,399 3.16%
    46% 44 $10,290,000 $233,864 $3,376 3.27%
    45% 35 $8,745,000 $249,857 $3,892 3.23%
    50-60% 5 $1,745,000 $349,000 $8,809 3.80%

    Home State Bank lent most frequently to those with DTI ratios of 20-30%, with 420 originations. The next most common DTI ratio? 30-36%, with 321 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 1,581 $393,875,000 $249,130 $3,251 3.11%
    Asian 68 $21,060,000 $309,706 $3,499 2.98%
    Not applicable 22 $7,430,000 $337,727 $0 4.35%
    Black 28 $7,360,000 $262,857 $4,792 3.36%
    Not provided 22 $5,440,000 $247,273 $4,027 3.15%
    American Indian 1 $165,000 $165,000 $2,462 3.00%

    Approval Rates

    Total approvals of all applications
    95.92%

    Home State Bank has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.

    Pick Rate

    Approvals leading to origination
    90.77%

    Home State Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 1,722 $435,330,000 $252,805

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 10 $5,670,000 $567,000
    Single Family (1-4 Units):Site-Built 1,712 $429,660,000 $250,970

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 67 $13,275,000 $198,134 $2,580 2.96%
    40-60% 248 $59,620,000 $240,403 $2,572 2.93%
    60-80% 807 $218,935,000 $271,295 $2,737 3.10%
    80-100% 563 $139,575,000 $247,913 $4,363 3.24%
    Over 100% 1 $225,000 $225,000 $0 4.25%
    Under 20% 24 $900,000 $37,500 $1,933 4.03%

    Complaints

    Bank Name Product Issue 2020 CPFB Complaints % of Total Issues
    HOMESTAR FINANCIAL CORPORATION Conventional home mortgage Trouble during payment process 3 75.0%
    HOMESTAR FINANCIAL CORPORATION Other type of mortgage Struggling to pay mortgage 1 25.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Home State Bank, National Association 124 Johnson Street Woodstock, IL 60098 Full Service B&M $53,442
    Home State Bank, National Association 3500 Diamond Drive Mchenry, IL 60050 Full Service B&M $22,712
    Home State Bank, National Association 40 Grant Street Crystal Lake, IL 60014 Limited, Mobile/Seasonal Office $0
    Home State Bank, National Association 40 Grant Street Crystal Lake, IL 60014 Full Service B&M $375,645
    Home State Bank, National Association 4401 Prime Parkway Mchenry, IL 60050 Limited, Drive-thru $23,989
    Home State Bank, National Association Randall Road And Acorn Lane Lake In The Hills, IL 60102 Full Service B&M $62,720
    Home State Bank, National Association Route 14 And Main Street Crystal Lake, IL 60014 Full Service B&M $43,166

    For 2020, Home State Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,178
    Net interest income $22,625
    Total noninterest income $16,477
    Gross Fiduciary activities income $1,126
    Service charges on deposit accounts $1,541
    Trading account gains and fees $0
    Additional Noninterest Income $13,810
    Pre-tax net operating income $6,150
    Securities gains (or losses, -) $0
    Income before extraordinary items $6,150
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $6,150
    Minority interest net income $0
    Net income $6,150
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $6,150

    Home State Bank's gross interest income from loans was $25,178,000.
    Home State Bank's net interest income from loans was $22,625,000.
    Home State Bank's fee based income from loans was $1,541,000.
    Home State Bank's net income from loans was $6,150,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $2,553
    Provision for credit losses $1,622
    Total noninterest expense $31,330
    Salaries and employee benefits $19,036
    Premises and equipment expense $2,105
    Additional noninterest expense $10,189
    Applicable income taxes $0
    Net charge-offs $996
    Cash dividends $5,198

    Home State Bank's interest expense for loans was $2,553,000.
    Home State Bank's payroll and benefits expense were $19,036,000.
    Home State Bank's property, plant and equipment expenses $2,105,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $598,537
    Deposits held in domestic offices $598,537
    Deposits by Individuals, partnerships, and corporations $568,300
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $30,237
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $46,692
    Demand deposits $37,086
    Nontransaction accounts $551,845
    Money market deposit accounts (MMDAs) $171,947
    Other savings deposits (excluding MMDAs) $288,546
    Total time deposits $91,353
    Total time and savings deposits $561,451
    Noninterest-bearing deposits $191,369
    Interest-bearing deposits $407,168
    Retail deposits $583,065
    IRAs and Keogh plan accounts $20,653
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $696,451
    Cash & Balances due from depository institutions $104,495
    Interest-bearing balances $96,022
    Total securities $139,171
    Federal funds sold & reverse repurchase $0
    Net loans and leases $412,421
    Loan and leases loss allowance $5,190
    Trading account assets $0
    Bank premises and fixed assets $15,959
    Other real estate owned $3,718
    Goodwill and other intangibles $3,117
    All other assets $17,570

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $696,451
    Total Liabilities $615,031
    Total deposits $598,537
    Interest-bearing deposits $407,168
    Deposits held in domestic offices $598,537
    % insured (estimated) $78
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $9,000
    Subordinated debt $0
    All other liabilities $7,494

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $412,421
    Loan and leases loss allowance $5,190
    Total loans and leases (domestic) $417,611
    All real estate loans $341,443
    Real estate loans in domestic offices $341,443
    Construction and development loans $32,549
    Residential 1-4 family construction $9,505
    Other construction, all land development and other land $23,044
    Loans secured by nonfarm nonresidential properties $171,752
    Nonfarm nonresidential secured by owner-occupied properties $90,852
    Commercial real estate & other non-farm, non-residential $80,900
    Multifamily residential real estate $13,488
    1-4 family residential loans $123,654
    Farmland loans $0
    Loans held in foreign offices $0
    Farm loans $47
    Commercial and industrial loans $72,761
    To non-U.S. addressees $0
    Loans to individuals $2,967
    Credit card loans $0
    Related Plans $73
    Consumer Auto Loans $1,407
    Other loans to individuals $1,487
    All other loans & leases $1,606
    Loans to foreign governments and official institutions $0
    Other loans $161
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $4,821
    Non 1-4 family restructured loans & leases $4,489
    Total loans and leases (foreign) $0

    Home State Bank had $412,421,000 of loans outstanding in 2020. $341,443,000 of loans were in real estate loans. $32,549,000 of loans were in development loans. $13,488,000 of loans were in multifamily mortgage loans. $123,654,000 of loans were in 1-4 family mortgage loans. $47,000 of loans were in farm loans. $0 of loans were in credit card loans. $1,407,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 304 $70,452 $231,750
    Nonfarm, nonresidential loans - <$100k 47 $1,764 $37,532
    Nonfarm, nonresidential loans - $100-250k 108 $12,910 $119,537
    Nonfarm, nonresidential loans - $250k-1MM 149 $55,778 $374,349
    Commercial & Industrial, US addressed loans - <$1MM 912 $57,283 $62,810
    Commercial & Industrial, US addressed loans - <$100k 675 $16,740 $24,800
    Commercial & Industrial, US addressed loans - $100-250k 151 $15,207 $100,709
    Commercial & Industrial, US addressed loans - $250k-1MM 86 $25,336 $294,605
    Agriculture operations loans - <$1MM 1 $47 $47,000
    Agriculture operations loans - <$100k 1 $47 $47,000