Home State Bank/National Association
Crystal Lake, IL · Cert 12815 · Peer group: banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (n=56-57) · Home State Bcorp Inc.
National charter · OCC · 7 branches
Q2 2026
$776.0MAssets
$517.7MLoans
$686.6MDeposits
$81.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 24 of 56).
- Widest gap: equity / assets trails 61% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area (rank 35 of 57).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.19%
Rank 14 of 57
Net Interest Margin
3.74%
Rank 25 of 57
Efficiency Ratio
68.01%
Rank 27 of 57
Equity / Assets
10.55%
Rank 35 of 57
Non-interest income vs. expense
Unfavorable gap of $17.6M · efficiency ratio beats 54% of banks under $1B in assets in the Chicago-Naperville-Elgin, IL-IN area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.19% | 0.51% | 0.84% | 1.19% | Beats 75% | 14 / 57 | | |
| Return on Equity | 11.28% | 3.13% | 7.76% | 11.40% | Beats 68% | 18 / 57 | | |
| Net Interest Margin | 3.74% | 3.16% | 3.63% | 4.08% | Beats 56% | 25 / 57 | | |
| Efficiency Ratio | 68.01% | 59.57% | 69.70% | 81.06% | Beats 54% | 27 / 57 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.07% | 0.06% | 0.34% | 1.78% | Beats 73% | 16 / 56 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 24 / 56 | | |
| Capital |
| Tier 1 Capital Ratio | 17.60% | 12.24% | 16.06% | 19.69% | Beats 60% | 23 / 57 | | |
| Total Risk-Based Capital Ratio | 18.85% | 12.54% | 16.50% | 20.95% | Beats 63% | 21 / 57 | | |
| Equity / Assets | 10.55% | 9.37% | 11.56% | 15.00% | Beats 39% | 35 / 57 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.41% | 66.29% | 85.59% | 95.16% | 32nd pctl | 39 / 57 | | |
| Loans / Assets | 66.72% | 57.07% | 71.07% | 78.13% | 40th pctl | 34 / 57 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |