Home State Bank
Jefferson, IA · Cert 14867 · Peer group: banks under $1B in assets in IA (n=134-135) · Greene Investment Co.
State charter, non-member · FDIC · 1 affiliate bank · 2 branches (6 in holding)
Q2 2026
$480.7MAssets
$388.6MLoans
$436.9MDeposits
$41.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 51% of banks under $1B in assets in IA (rank 66 of 135).
- Widest gap: return on equity trails 99% of banks under $1B in assets in IA (rank 133 of 135).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-0.27%
Rank 132 of 135
Net Interest Margin
3.43%
Rank 66 of 135
Efficiency Ratio
62.46%
Rank 99 of 135
Equity / Assets
8.64%
Rank 120 of 135
Non-interest income vs. expense
Unfavorable gap of $9.1M · efficiency ratio beats 27% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -0.27% | 0.92% | 1.19% | 1.47% | Beats 2% | 132 / 135 | |
| Return on Equity | -3.13% | 7.99% | 10.26% | 13.14% | Beats 1% | 133 / 135 | |
| Net Interest Margin | 3.43% | 2.95% | 3.41% | 3.73% | Beats 51% | 66 / 135 | |
| Efficiency Ratio | 62.46% | 50.61% | 57.35% | 63.29% | Beats 27% | 99 / 135 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.21% | 0.03% | 0.51% | 1.26% | Beats 10% | 121 / 134 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.03% | Beats 38% | 84 / 134 | |
| Capital |
| Tier 1 Capital Ratio | 10.04% | 11.23% | 13.31% | 15.45% | Beats 7% | 126 / 135 | |
| Total Risk-Based Capital Ratio | 11.31% | 11.61% | 14.06% | 16.47% | Beats 21% | 106 / 135 | |
| Equity / Assets | 8.64% | 9.87% | 11.05% | 13.07% | Beats 11% | 120 / 135 | |
| Liquidity & Funding |
| Loans / Deposits | 88.93% | 68.54% | 81.55% | 91.24% | 66th pctl | 46 / 134 | |
| Loans / Assets | 80.83% | 57.61% | 68.06% | 76.23% | 87th pctl | 18 / 135 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |