# HOME STATE BANK
LOVELAND, CO · FDIC certificate 16902 · asset band $300M-1B · latest filing 2016-06 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $884.5M | |
| Deposits | $750.8M | |
| Loans and leases | $452.5M | |
| Total equity | $87.9M | |
| Loans / deposits | 59.15% (p13 of band) | 83.96% |
| Liquid assets / assets | 47.13% (p89 of band) | |
| Uninsured deposits / deposits | 25.08% (p68 of band) | 19.94% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.84% (p42 of band) | |
| FHLB advances / assets | 2.63% | |
| Tier 1 leverage | 9.05% (p22 of band) | 10.13% |
| Unrealized securities loss / equity | 9.34% (p93 of band) | 2.47% |
| AOCI / equity | 7.85% (p99 of band) | |
| ROA (annualized) | 1.70% (p89 of band) | 0.92% |
| Net interest margin | 3.23% (p26 of band) | 3.59% |
| Efficiency ratio | 62.05% (p30 of band) | |
| Noncurrent loans | 0.07% (p10 of band) | 0.67% |
| Net charge-offs (annualized) | -0.09% (p4 of band) | |
| Reserve coverage of noncurrent | 2620.06% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 55.37% (p66 of band) | |
| Auto loans | $303,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 6.6% | |
| Employees | 191 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 0 |  | reserve under noncurrent |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |

## 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
- 2026-05-23 [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
- 2026-08-14 [Home State Bank Foundation Donates $30,000 to GCMC - Raccoon Valley Radio](https://news.google.com/rss/articles/CBMimwFBVV95cUxQZVBLTnd5S1lSSHJzWVNuMWNoYkZURzNWZng1aUpBM3FNbDV0RmVpcndZb215NDh5U0xtc0lwOU5WQmNqMzAyYlhiWjdtd1dKQS1mbk1kVGpOQktYZGlFMW5DaVEzSEFFRG9laFZXTFFGblZRT1AzbC02dkFaZjA2TEJscm1pVktDcUVCU1BpSGZ3Z2dnZEVrY1IwQQ?oc=5) · Raccoon Valley Radio
- 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
- 2016-03-16 [Colorado's Home State Bank, Guaranty Bank merge - The Coloradoan](https://news.google.com/rss/articles/CBMirgFBVV95cUxOYkVLa09ldGRwdXhZVEhRTlJNa3d5TTlDR2dfUTY3emdfaHpmbmFHODIwdi1EU09EdFViZmdJOGk5bi1kc2Njc3Y0SGZrWDRIbnZXSjZERkVoYnA2dUFCWEZYMDkyTVd0VWVfQmdUOU5OVlc0bmtDcjhGWEMwcUluWVRKTEw3eEVCQlBQVk5uNUNHVG9mT0dqWERmX2RLekcybWh2ZXNsakRrVWFVcUE?oc=5) · The Coloradoan
- 2016-03-16 [Loveland’s Home State Bank agrees to merger - Loveland Reporter-Herald](https://news.google.com/rss/articles/CBMiiwFBVV95cUxQcVdEY1NDcllGUGNsUUtubXhFRFd5MWZySFYwYWZZWWQ0MGRYcW1FOEtDSFFacWlFT3RrT0VIbmtrckF4VTR2RzdqNkhmWk9oVFB0YldSV3B3d2hqTVM3RVpacW9FT0ItcW9yb1lIUVFZbkduQUsxblhDWkdLQmRSM1lxa1hWTS1KeDlZ?oc=5) · Loveland Reporter-Herald
- 2023-07-29 [Home State Bank opens new drive-thru - Shaw Local](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTmpmbWE4X0VDcTJQanJVMkxqY2dScnVmb3hNcDRlTkV6ZENQZ0xHRWU5SWtmbFRLNzRTS0lneWptUnBjTTdPSWpXNmV2Vy1NRUNhZDhVNENnekxURkwtdWQxbHpoanYyY3ZrdGRLeDJCWFhBbk5qeUhiR19hZmhLd1pUa21DcVdGR0RmcUd1SDJJaGlsRnc?oc=5) · Shaw Local
- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=16902 (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/6.json (key "16902", 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