IL lenders / Community Bank
Home State Bank, National Association
Community Bank · Crystal Lake, IL · Home State Bcorp Inc
- Total assets
- $778.1M
- CRE loan book
- $268.8M
- QoQ CRE growth
- 3.5%
- Q1 2026
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 6.17% as of Q1 2026 — TX bank median 4.87% (1.31pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 6.17% | 6.22% |
| Q4 2025 | 6.27% | 6.33% |
| Q3 2025 | 6.28% | 6.34% |
| Q2 2025 | 5.98% | 6.05% |
| Q1 2025 | 5.70% | 5.78% |
| Q4 2024 | 5.93% | 6.04% |
| Q3 2024 | 5.99% | 6.11% |
| Q2 2024 | 5.84% | 5.94% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $268.8M | $26.9M | $33.2M | 165% | $164,000 |
| Q4 2025 | $259.7M | $24.7M | $28.7M | 164% | $0 |
| Q3 2025 | $262.6M | $26.6M | $28.0M | 170% | $0 |
| Q2 2025 | $260.9M | $26.6M | $28.4M | 174% | $97,000 |
| Q1 2025 | $254.6M | $28.2M | $27.8M | 170% | $144,000 |
| Q4 2024 | $257.6M | $29.6M | $28.6M | 173% | $148,000 |
| Q3 2024 | $259.0M | $37.8M | $28.9M | 183% | $151,000 |
| Q2 2024 | $257.0M | $35.9M | $29.2M | 184% | $141,000 |
Similar lenders
Other community banks we track with a comparable CRE book size.
- Ixonia BankCommunity Bank · Ixonia · $268.0M CRE book
- First Western BankCommunity Bank · Booneville · $266.4M CRE book
- Grinnell State BankCommunity Bank · Grinnell · $265.8M CRE book
- Riverstone BankCommunity Bank · Eagle · $265.7M CRE book
- Cattlemens BankCommunity Bank · Altus · $265.5M CRE book
See all alternatives to Home State Bank, National Association →
Last updated Jul 3, 2026 · Sources: FFIEC CDR, county records, first-party conversations.