This institution is no longer active

Operations ceased on December 29, 2000. CRA examination history below reflects the period it was active.

HOME STATE BANK

ROCHESTER, TX · Supervised by FDIC

Est. 1986FDIC #26,717RSSD: FDIC-26717

Part ofROCHESTER FINANCIAL CORP→ View all charters

Outstanding Same

Current rating · Exam: March 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Needs Attention

ROA -6.09%

Is this bank safe?

HOME STATE BANK earned an Outstanding CRA rating (1999), shows financial metrics that merit closer review (ROA -6.09%). Consumers may want to review the details below before banking here.

Institution Profile

FDIC BankFind

Address

410 Carothers Avenue, ROCHESTER, TX

County

Haskell County

Established

June 27, 1986

Total Assets

$24M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

March 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 2000Call Report / FDIC

Total Assets

$24M

Total Deposits

$23M

Net Loans

$18M

Net Income

$-1,223K

ROA

-6.09%

Below avg for Small banks. Peer avg: 0.44%

ROE

-160.18%

Risk-Based Capital

4.10%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-6.09%Peer avg: 0.44%▼ Below avg

Risk-Based Capital4.10%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Mar 1999	Outstanding	Small Bank
Jun 1997	Outstanding	Small Bank
Nov 1993	Satisfactory	Not Reported

2 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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