# HOME STATE BANK
ROYAL, IA · FDIC certificate 966 · asset band <$300M · latest filing 2026-03 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $57.7M | |
| Deposits | $44.0M | |
| Loans and leases | $36.2M | |
| Total equity | $13.5M | |
| Loans / deposits | 81.09% (p67 of band) | 72.28% |
| Liquid assets / assets | 37.01% (p57 of band) | |
| Uninsured deposits / deposits | 18.42% (p47 of band) | 19.31% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.18% (p50 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 24.01% (p93 of band) | 11.62% |
| Unrealized securities loss / equity | -9.13% (p43 of band) | -7.15% |
| AOCI / equity | -0.93% (p33 of band) | |
| ROA (annualized) | 1.57% (p73 of band) | 1.12% |
| Net interest margin | 3.80% (p47 of band) | 3.86% |
| Efficiency ratio | 44.18% (p6 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.34% |
| Net charge-offs (annualized) | 0.00% (p44 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 39% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $156,000 (0.43% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.3% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | capital falling |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | uninsured deposits leaving |  |
| 2013-12 | 2 | deposits shrinking |  |
| 2014-03 | 1 | capital falling | uninsured deposits leaving, deposits shrinking |
| 2014-06 | 0 |  | capital falling |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | deposits shrinking |  |
| 2015-12 | 0 |  | deposits shrinking |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 3 | capital falling, losing money, assets shrinking |  |
| 2018-09 | 2 | deposits shrinking | capital falling, assets shrinking |
| 2018-12 | 0 |  | losing money, deposits shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | assets shrinking |
| 2020-12 | 2 | capital falling | deposits shrinking |
| 2021-03 | 1 |  | uninsured deposits leaving |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 1 |  | securities losses >30% of equity |
| 2023-03 | 1 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 0 |  | uninsured deposits leaving |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | uninsured deposits leaving |  |
| 2025-03 | 0 |  | uninsured deposits leaving |
| 2025-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2025-09 | 3 | assets shrinking |  |
| 2025-12 | 0 |  | deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2026-03 | 1 | capital falling |  |

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

- 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
- 2026-07-04 [Home State Bank hosts US Soccer jersey giveaway at Crystal Lake parade Sunday - Shaw Local](https://news.google.com/rss/articles/CBMizAFBVV95cUxPd0FqeGhXYnJjaGlaRXlPRlBLb2I3MnlWM1g4MnRDVlpSNVAzMGFaeTdFM01qSjd1dndrTzljWUtraHBYenVzeE5qRGNGeFBzQXJZM1FJTF84Y0dmRVlrS0xlbUF3bWRQOXVfTDJKWXdvVURPd3E1Mms1cm55UWFQbkJKSUZYM1lDYzU2Rk1MbjBjU1VQYkJvTWhGWkZVQWxzTEJOa3VLMTB1Rnk5OTdhaHhrazdvVWlZZXg3RzFadU51YzE2d2JjRmRVZDI?oc=5) · Shaw Local
- 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
- 2025-08-07 [Home State Bank President Remembers Long-Time Boss, Community Supporter and Leader Sid Jones - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOdDZvWkF5QjdXYUJSZEJGX3JPVlMyeDJIdUlQRUowMUhLTXB4QzdSTDNFd3pqZFdJczdzaGlUVmlpeDhSQXctWHVwZXppZHZJZ1lsZ05XWmNtazZzc0J5c2NBTDFYTU5yenc5RkRFV1lWczNWRFBsdS1JUHpjZzdBQ0pNSXRBUmJ5RjVYM0thOXBVc01xQ0lTa0MteVFxaEtIZlc0LTIzSHNKU2FCR2hzT19MLVp6ZzExSmhPZ1I1eXlMNk1ObW90RkZtci1Wam1sTVdadQ?oc=5) · raccoonvalleyradio.com
- 2025-08-12 [Wayne Seaman Obituary Aug 12, 2025 - Dahn & Woodhouse Funeral Home](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBCNW96ZExkV3Fxamg2R2F3MmxWS3pMRWdNM2o4Vmltdmlubmp0dVRpUXRmbUxBY3RqS3g5RERGaEloN2kxeV85Qnhwb2FmdXAtdVUwUjlLTUZmV3hodWMwREpScWtuZWs?oc=5) · Dahn &amp; Woodhouse Funeral Home
- 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
- 2023-01-11 [Home State Bank named Friend of Extension - Greene County News Online](https://news.google.com/rss/articles/CBMikgFBVV95cUxQRlgtNlV4UWRHSEF6OWhPNmpoTHR5Ml9IT1JyeW1adzd6eU5sNnNUSDROQjJiSzJPMlB0Uy0xNWxCRVYwNXBJQ2pjMHNkanNhV0ZsNU1NODhfU3pQakxmWUlDMjRuaGt0ZjZKRnpjSHlWQWoxdDVZaHV4ejh2YnBKR2dBaFVBTm5kc1hVeC1JMkdtZw?oc=5) · Greene County News Online
- 2022-03-19 [Home State Bank Announces Leadership Changes, Names New President - raccoonvalleyradio.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxPa1l1NTA5NzdDbVZoNUJJc2h2ZzRjUjd6dFh3UWdqdEtmT09mUUczOHU3amZuVTlDQzA4UlYtQXFmalhvREZJWUdKVUxCa1pFbWNuLWI1RGtBakFxb19sZEw1dnFLSTlvQmpuLWNLOXlRdy1BUTBCQndFLUc5LTFaOHRmU0ZkZ3FrRXV6XzVpMXFjUjBxVDlRc2Z1YzlVWE1pcVRfWEpmUThzbzFuVlVyTQ?oc=5) · raccoonvalleyradio.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=966 (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 "966", 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