Vitals
  • Total Assets
    46.8M -15.5 %
  • Total Deposits
    32.1M -23.4 %
  • Total Net Loans
    26.1M 5.7 %
  • Net Income
    904000.0000 4.4 %
  • Book Value
    13.4M -0.3 %
  • Book Value x2
    26.7M -0.3 %
  • Book Value x3
    40.1M -0.3 %
ROAA

1.924

ROAE

6.727

Efficiency Ratio

41.368

Net Interest Margin

3.797

Balance Sheet Highlights
Financial Highlights Home State Bank All Insured Commercial Banks in Iowa
Balance Sheet $(000)
Total Assets 46,791 198,346
Total Net Loans 26,096 133,864
Total Deposits 32,135 165,124
Total Equity 13,368 22,060
Profitability
Net Income 904 2,310
Return on Average Assets 1.924 1.15
Return on Average Equity 6.727 9.92
Net Interest Margin 3.797 3.587
Efficiency Ratio 41.368 60.34
Noninterest Income/Revenue 2.58 13.494
Balance Sheet Ratios
Loan-to-Deposit 81.207 77.091
Securities/Assets .385 .197
Total Equity/Total Assets .286 .111
Tangible Equity/Tangible Assets .286 .107
Capital Adequacy
Tier 1 Common Capital 13,486 21,135
Tier 1 Capital 13,486 21,140
Tier 2 Capital 221 1,625
Total Capital 13,707 22,777
Total Risk Weighted Assets 32,366 151,308
Leverage Ratio 29.08 10.944
Common Equity Tier 1 Capital Ratio 41.67 15.631
Tier 1 Capital Ratio 41.67 15.631
Total Capital Ratio 42.35 16.675

Timeline for Home State Bank

Royal Bancshares, Inc.

Royal Bancshares, Inc. became a new parent organization for Home State Bank.

View Profile Sep 20 1982

Home State Bank

Home State Bank was established 109 years ago and is currently headquartered in Royal, IA.

Apr 12 1915
Relationships Role Relationship Start Relationship End
Royal Bancshares, Inc. Parent 6/24/1996
Royal Bancshares, Inc. Parent 12/31/1994 6/23/1996
Royal Bancshares, Inc. Parent 12/31/1983 12/30/1994
Royal Bancshares, Inc. Parent 9/20/1982 12/30/1983
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