Bank · FDIC insured
Home State Bank
A $218.9M bank headquartered in Litchfield, MN, with 4 branches in Minnesota.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Savings: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: no rates found on its website.
- Savings—0.50%Needs another account or monthly activitySavings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Home State Bank
Founded in 1926, Home State Bank is a locally owned and operated community bank serving central and west-central Minnesota.
With locations in Willmar, Cosmos, Litchfield, and Hutchinson, the bank specializes in personal, commercial, and agricultural lending.
- Headquarters
- 1435 Us Highway 12, Litchfield, MN 55355
- FDIC certificate
- 9745 ↗
Branches
4 branches in Minnesota
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Minnesota
4 branches
Litchfield area · 1
- Home State BankMain office1435 Us Highway 12, Litchfield, MN 55355Directions
Cosmos area · 1
- Cosmos Branch200 Milkyway St S, Cosmos, MN 56228Directions
Hutchinson area · 1
- Home State Bank745 Highway 7 W, Hutchinson, MN 55350Directions
Willmar area · 1
- Willmar Branch1601 Highway 12 E # 12east, Willmar, MN 56201Directions
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 | 11.81% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.08% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.18% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $63 | $81 | — |
- CapitalLeverage ratio11.81%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.08%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.18%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$63Peers’ 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.