Home State Bank is a bank based in Litchfield, Minnesota, established in 1926, with $224 million in total assets across 4 branches. By Trust Grade it ranks 185th of 224 banks we track in Minnesota. Its capital ratio of 7.2% trails most similarly sized banks (8th percentile), versus a Minnesota median of 9.5%. It was profitable over the most recent period, with a 1.16% return on assets. No consumer complaints against Home State Bank 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 compares to Minnesota peers
How we graded Home State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.2% capital ratio)
- Strongly profitable (ROA 1.16%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Home State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 1601 Highway 12 E # 12east, Willmar, MN 56201
- 745 Highway 7 W, Hutchinson, MN 55350
- 1435 Us Highway 12, Litchfield, MN 55355
- 200 Milkyway St S, Cosmos, MN 56228
Are deposits at Home State Bank insured?
Yes. Home State Bank is an FDIC-insured bank (FDIC certificate #9745). 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: frequently asked questions
Is Home State Bank a good bank?
Home State Bank earns a Bankzia Trust Grade of B (88/100, "Strong"), based on a financial-strength score of 88/100 (it has no CFPB complaints on record). Well-capitalized (7.2% capital ratio); Strongly profitable (ROA 1.16%).
Is Home State Bank FDIC-insured?
Yes. Home State Bank is a FDIC-insured bank (FDIC certificate #9745). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Home State Bank?
Home State Bank holds $224 million in total assets, ranking 185th of 224 banks we track in Minnesota. It operates 4 branches.
Does Home State Bank have CFPB complaints?
No CFPB complaints against Home State Bank 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.
