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Home State Bank
Litchfield, MN · FDIC Certificate #9745 · Chartered 03/2
Total assets
$218.89M
Total deposits
$194.31M
Total equity
$17.29M
Net loans
$120.82M
Branches (offices)
4
Net income (YTD)
$1.28M
Rank: #2,868 of 4,213 U.S. banks by assets · #110 of 221 in Minnesota. Assets changed 4.4% and deposits 8.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.18% |
| Return on equity | 15.41% |
| Net interest margin (YTD) | 3.97% |
| Equity to assets | 7.90% |
| Tier 1 leverage ratio | 11.81% |
| Uninsured deposits (share of deposits) | 16.5% |
| Noncurrent loans (share of loans) | 0.08% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 62.2% |
| Real estate loans (share of loans) | 72.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $88.09M | 72.9% | |
| Commercial & industrial | $23.49M | 19.4% | |
| Consumer / individual | $5.02M | 4.2% | |
| Construction & development | $2.92M | 2.4% | |
| Agricultural | $3.65M | 3.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $198.96M | $187.68M | $901.00K | $7.57M |
| Jun 2023 | $205.24M | $174.29M | $731.00K | $7.19M |
| Jun 2024 | $201.02M | $173.32M | $1.01M | $9.36M |
| Jun 2025 | $209.58M | $178.72M | $1.15M | $12.59M |
| Jun 2026 | $218.89M | $194.31M | $1.28M | $17.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $194.31M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $194.31M.
Similar-sized banks
United Citizens Bank & Trust Company ($219.33M) · First National Bank Of Lake Jackson ($218.37M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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