Home State Bank, National Association is a bank based in Crystal Lake, Illinois, established in 1915, with $778 million in total assets across 7 branches. By Trust Grade it ranks 33rd of 328 banks we track in Illinois. Its capital ratio of 10.7% is stronger than 59% of similarly sized banks, versus a Illinois median of 10.3%. It was profitable over the most recent period, with a 1.47% return on assets. No consumer complaints against Home State Bank, National Association appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Home State Bank, National Association compares to Illinois peers
How we graded Home State Bank, National Association
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.7% capital ratio)
- Strongly profitable (ROA 1.47%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Home State Bank, National Association over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 50 W Acorn Ln, Lake In The Hills, IL 60156
- 4401 Prime Pkwy, Mchenry, IL 60050
- 40 Grant St, Crystal Lake, IL 60014
- 124 S Johnson St, Woodstock, IL 60098
- 611 S Main St, Crystal Lake, IL 60014
- 3500 Diamond Dr, Mchenry, IL 60051
- 40 Grant St, Crystal Lake, IL 60014
Are deposits at Home State Bank, National Association insured?
Yes. Home State Bank, National Association is an FDIC-insured bank (FDIC certificate #12815). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Home State Bank, National Association: frequently asked questions
Is Home State Bank, National Association a good bank?
Home State Bank, National Association earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.7% capital ratio); Strongly profitable (ROA 1.47%).
Is Home State Bank, National Association FDIC-insured?
Yes. Home State Bank, National Association is a FDIC-insured bank (FDIC certificate #12815). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Home State Bank, National Association?
Home State Bank, National Association holds $778 million in total assets, ranking 33rd of 328 banks we track in Illinois. It operates 7 branches.
Does Home State Bank, National Association have CFPB complaints?
No CFPB complaints against Home State Bank, National Association appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
