# HOME STATE BANK
LOUISVILLE, NE · FDIC certificate 10650 · asset band <$300M · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $81.8M | |
| Deposits | $64.4M | |
| Loans and leases | $63.9M | |
| Total equity | $10.2M | |
| Loans / deposits | 98.13% (p91 of band) | 71.50% |
| Liquid assets / assets | 20.39% (p21 of band) | |
| Uninsured deposits / deposits | 13.47% (p51 of band) | 13.21% |
| Brokered deposits | 4.38% | |
| Wholesale funding | 13.07% (p89 of band) | |
| FHLB advances / assets | 8.68% | |
| Tier 1 leverage | 12.60% (p76 of band) | 10.45% |
| Unrealized securities loss / equity | 0.20% (p43 of band) | 0.49% |
| AOCI / equity | -0.04% (p10 of band) | |
| ROA (annualized) | 1.76% (p91 of band) | 0.81% |
| Net interest margin | 3.54% (p43 of band) | 3.66% |
| Efficiency ratio | 60.53% (p18 of band) | |
| Noncurrent loans | 0.00% (p7 of band) | 0.76% |
| Net charge-offs (annualized) | -0.01% (p14 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 40.04% (p76 of band) | |
| Auto loans | $1.6M (2.49% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 1 |  | reserve under noncurrent |
| 2011-09 | 2 | loans exceed deposits |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 2 |  | loans exceed deposits |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 4 | loans exceed deposits, capital falling, uninsured deposits leaving |  |
| 2013-03 | 2 |  | loans exceed deposits, uninsured deposits leaving |
| 2013-06 | 1 | assets shrinking | wholesale funding >15%, capital falling |
| 2013-09 | 1 | wholesale funding >15% | assets shrinking |
| 2013-12 | 0 |  | wholesale funding >15% |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 2 | wholesale funding >15% |  |
| 2014-12 | 0 |  | capital falling, wholesale funding >15% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-19 [Home State Bank Foundation makes 3-year commitment to medical center foundation - Greene County News Online](https://news.google.com/rss/articles/CBMixAFBVV95cUxNZS1DRGxFcDAtMW0xVUJRU19YNDVMSjAxZ0Jwcnc2Y1hpUWZrYVl5eU1HTHB4UVBXUFVrMHJIOUZpVVB0YVBzZFNsQjNHbDQzUk40akVVRk5WaS1fSWR0XzdaX1RQX3Q4U21ZNHZNekNXdnlYUGwtTlJtX2hfdUF5UW5DOGszR0tNYkpUOWQ1enpNajhCclBnY3J1QXRxSzFiYmJIYm84T0JkOEZ5U3BSQUd0emdiclpXOXM5T2xsWjBxeUpI?oc=5) · Greene County News Online
- 2026-04-08 [Home State Bank celebrating 100 years in business - West Central Tribune](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQamlmNGFiS3hFS3YzdVVJbG93MlRMTHVReFEtbGtidFpBckdJNlFSVVVKdXQySV91THczNWc4SnNJM2JDNl9PVkN5eVpzcEpqcE1Cc3I3cWhYRUkzRThFZWgxYUEzNUpwbWlqTWtjcjJSUlhmQ05KMjdhelVMTkFOcXBYZU42WWN5LUxF?oc=5) · West Central Tribune
- 2026-05-18 [Home State Bank to Host Annual Shred Day on Thursday, Brings New Additions - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxNdkZ0Q1dhbTVGTmdLTnF3UU1TWGVNeFlDR2FRdXB3ZGUyOGd3a0RQR3JydURFckxmNElTMlRXWEY2dlhabmtmMF9XY09DR29aRW9zQ09kcnh6UDhxeUozTk1qWmpvTV9mTGJEZlM3SzBtVzNfQW1SenVFWl8yZWlENmtlSVhJZ25aTEJ1MEJCYnY5WnZmdXNsbEUwb2Rnci1UY3F1SGNPdzcwcmpDRUR0VkNvaVNYWWNCZ2xqSA?oc=5) · raccoonvalleyradio.com
- 2026-05-10 [Home State Bank in Crystal Lake announces new VP of retail banking, headquarter renovations - Shaw Local](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNNGhIRGEyUnh0UUplbXB2QTJNc1kxX3ZhX1llVWMwby1iRkdiZkk2RmxTaUd3V1AxSU9wdzFmenFEWHNOTjdtM1RYcjRlcEtOLUEydW1hMWFIR0J6ajJtOGVPTHhXSDdaajlIb0x1ZVlpWG9lZmI0NVk1VXlnczFLWkw4QVJuY245SFJtUFk1aVlvOGo2YXdPNnZ1X1ZQT1F4Ui12RTBHaWJleEZMT2hLVnVpWlF2MjJfRElWT29nWkppeTZwdHRJai1xUzZ3QkEyLTRaSi00dkZJU0tXQlE?oc=5) · Shaw Local
- 2026-04-08 [Home State Bank organizes 100 years ago in Kandiyohi - West Central Tribune](https://news.google.com/rss/articles/CBMijwFBVV95cUxPR2dHYnhSWS1lcE8zT1ZpN1cyRnFha1JzX2dBSnNlc08yV0RuejB5ZzBVeFQ1WXNJaDIzSE9TOFFXTFNiOXhDX2l0b2VEYVhuT1Z2LXItRVd1dXVOSzdZVG1Md21RZXhjT2VkSk9QQ0xTTmtEMkZrTk1GZHdMbkVxRFdydzZwNEpxSWV2aHFRTQ?oc=5) · West Central Tribune
- 2026-05-23 [Behm family tells of journey into banking as Home State Bank marks 100 years - West Central Tribune](https://news.google.com/rss/articles/CBMirwFBVV95cUxPSk9DejBNVGFfV1hNcWJQN2h5RVpyWVN2cG5NZW9DODczWDV0VWZCcTJySU9rVzJySkU4Ynp1UnJEeDhfdHFoWjBIVXpIYlgxQ1kxbnp1ZnhMeWtaSDVob0k3YTJneExDUTV6Y2M4WU80TWd4bUpnNkdvaTkzaThtazBKd0lGNjYtd09wOWZYU3BjcXFoU195VXN3cDliYjlCUzU4NGI2MFlIUVM2SG1v?oc=5) · West Central Tribune
- 2026-02-12 [West Iowa Bank announces agreement to acquire Home State Bank of Royal, Iowa - Enterprise Media - Kossuth County Advance](https://news.google.com/rss/articles/CBMivgFBVV95cUxPS3pYVzg4SXd0Z0FjSVpUM1oxQ1VzN1FCQmYwbWdSNHJDQzRYUWFKMHg1VFdqN0MzSEF2czJSTUdRVDFHOV9vakgyanphNnhSZ3BhTVVacWhjaGRyQXFBUWlNUnpudk11QVc5T21xQnNoUGRZdG9UX2E0SEJ0eTZDSE05TkNJSHduZ2NBM2NCU1d4VkdGc1pOeVMyd05GOE5xNzA2SWx3ZTcwZWRWbTM3b0xzSjN5VTQwM2h1TTl3?oc=5) · Kossuth County Advance
- 2026-01-14 [New lease on life for Raue: Crystal Lake Center for the Arts’ weathers hardships, rebuilds programming - Shaw Local](https://news.google.com/rss/articles/CBMi6gFBVV95cUxQaC1hUG1ZYTVDQkhnZzlsNnJkb1Z5YTNUelFQbEJXREpqMzhtNmViZ21XTVY4ZnZEZU5ZRmRDZVMyZWRBMGRGc0hLRzY4VDNVNEtBNHZ3UThPR2Y5VFYxYm40V093ZzJDekVIZEhhdWx4RXA5SGZpMXpoUzBINlBTYW9jandLcDVOZTNHUDZUWm56VUs2Umh3ZzloQTlNUzJyam05UHNZMUFacmdJUG83ZVlydGR4OGVjN1I5dlVaMVhGazBHUEJwcURsN2NJaXdJRXEtR1I5dEJYVW5UamZkX0JsWFpIajJjNUE?oc=5) · Shaw Local

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=10650 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "10650", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide