Home State Bank (FDIC #9745): Bank Stress & Real-Estate Credit Exposure

Home State Bank (FDIC Cert #9745): bank stress 74/100, elevated, STABLE over 7 days; parent KANDIYOHI BANCSHARES INC.

Home State Bank (#9745) lends in 3 counties across 1 state; Home State Bank (#9745) reaches 38 ZIP codes: Minnesota 3 counties, 38 ZIPs.

Home State Bank (#9745) largest markets: Kandiyohi County, MN (16 branches, 16 ZIPs) (#9745), Meeker County, MN (26 branches, 13 ZIPs) (#9745), Mcleod County, MN (12 branches, 12 ZIPs) (#9745).

Home State Bank (#9745) reports $218.9 million in total assets; Home State Bank (#9745) equity $17.3 million (7.9% of Home State Bank (#9745) assets); Home State Bank (#9745) domestic deposits $194.3 million; Home State Bank (#9745) net income $1.3 million; Home State Bank (#9745) return on assets 1.18%; Home State Bank (#9745) return on equity 15.41%; Home State Bank (#9745) net interest income $4.1 million; Home State Bank (#9745) call report June 30, 2026.

Home State Bank (#9745) noncurrent real-estate loans: none reported; Home State Bank (#9745) net charge-offs on real estate 0.00%.

Home State Bank (#9745) net interest margin 3.97% against an eight-quarter Home State Bank (#9745) average of 3.81% (Home State Bank (#9745) compression -0.16 points); Home State Bank (#9745) rate-exposure score 40/100, Home State Bank (#9745) fixed-rate trap 40/100; Home State Bank (#9745) risk type credit driven; Home State Bank (#9745) rate regime rates elevated, Home State Bank (#9745) snapshot October 19, 2026.

Home State Bank (#9745) stress score moved from 75.7 on June 22, 2026 to 74.4 on October 19, 2026; Home State Bank (#9745) ranged 74.4 to 75.7 over 116 snapshots.

Home State Bank (#9745) alerts: 3 counties; top Home State Bank (#9745) alert scores: Hutchinson County, MN 26 (low); Litchfield County, MN 26 (low); Willmar County, MN 26 (low).