Bank · FDIC insured
Home State Bank
A $776M bank headquartered in Crystal Lake, IL, with 6 branches in Illinois. Best rates: CDs 3.56% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. Savings: rates are not published online. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- CDs733.56%for 3–8 monthsCD rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Home State Bank
Home State Bank opened its doors in 1915, serving the McHenry County area for over a century.
From the beginning, its goal has been to create a better quality of life for neighbors and build a better community.
- Headquarters
- 40 Grant St, Crystal Lake, IL 60014
- FDIC certificate
- 12815 ↗
Branches
6 branches in Illinois
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Illinois
6 branches
- Home State Bank, National AssociationMain office40 Grant St, Crystal Lake, IL 60014Directions
- 611 Main Banking Center Branch611 S Main St, Crystal Lake, IL 60014Directions
- Randall Road Branch50 W Acorn Ln, Lake in the Hills, IL 60156Directions
- Diamond Drive Branch3500 Diamond Dr, McHenry, IL 60051Directions
- Mchenry Banking Center Branch4401 Prime Pkwy, McHenry, IL 60050Directions
- Woodstock Banking Center Branch124 S Johnson St, Woodstock, IL 60098Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.79% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.07% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.52% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $75 | $81 | — |
- CapitalLeverage ratio11.79%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.07%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.52%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$75Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Home State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.