Is Home Stb NA Safe?
Home Stb NA has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (63/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 18.07% | 100/100 |
| Nonperforming Loan Ratio | 0.08% | 98/100 |
| Liquidity Ratio | 28.30% | 93/100 |
| Return on Assets | 1.08% | 63/100 |
| Total Assets | $0.7B | |
How does Home Stb NA compare?
With a Bank Health Score of 94/100, Home Stb NA sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Illinois, where 333 FDIC-insured banks are headquartered, Home Stb NA ranks above the state average of 72/100 (Grade B).
The bank's Tier 1 capital ratio of 18.07% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.08% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Home Stb NA's Bank Health Score fell by 3.0 points to 94/100. Tier 1 capital weakened by 0.96 percentage points to 18.07%. Quarter-over-quarter, the score fell by 1.0 points.
Home Stb NA has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (63/100).