HOME STB NA
CRYSTAL LAKE, ILLINOIS · FDIC Cert #12815
Capital & Safety Analysis
According to FDIC financial data, HOME STB NA holds a Tier 1 capital ratio of 18.07%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning HOME STB NA has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
HOME STB NA shows strong financial health indicators. With $727M in assets and a Health Score of 94/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
HOME STB NA has a Bank Health Score of A (94/100). It holds a Tier 1 capital ratio of 18.07%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
HOME STB NA holds $727M in total assets and $642M in total deposits. It is located in CRYSTAL LAKE, ILLINOIS (FDIC Certificate #12815).
HOME STB NA has a Tier 1 capital ratio of 18.07%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.08%, and the return on assets is 1.08%.
Yes. HOME STB NA is FDIC-insured (Certificate #12815). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.