This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Crystal Lake, IL
Health score
88.7
Total assets
$776.0M
Bank
Sterling, IL
Health score
73.9
Total assets
$790.8M
Answer first
Home State Bank, National Association leads on financial health and capitalization and profitability and lending quality; Sauk Valley Bank & Trust Company leads on growth. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
Home State Bank, National Association
Higher TFS health score
Capitalization
Home State Bank, National Association
Higher comparable capital ratio
Profitability
Home State Bank, National Association
Higher return on assets
Lending quality
Home State Bank, National Association
Lower problem-loan measure
Growth
Sauk Valley Bank & Trust Company
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Home State Bank, National Association | Sauk Valley Bank & Trust Company |
|---|---|---|
| TFS health score | 88.7/100Leads | 73.9/100 |
| Total assets | $776.0M | $790.8M |
| Total deposits / shares | $686.6M | $670.1M |
| Tier 1 capital ratio | 11.79%Leads | 8.84% |
| Return on assets | 1.52%Leads | 0.81% |
| Return on equity | 14.27% |
Home State Bank, National Association
7 branches
Sauk Valley Bank & Trust Company
10 branches
Both institutions report branches in 1 state: IL.
Home State Bank, National Association
Unavailable
Sauk Valley Bank & Trust Company
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Home State Bank, National Association
0 in TFS registry
Sauk Valley Bank & Trust Company
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Home State Bank, National Association score | Home State Bank, National Association ROA | Sauk Valley Bank & Trust Company score | Sauk Valley Bank & Trust Company ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 1.08% | — | 0.66% |
| 2024-Q4 | — | 1.04% | — | 0.68% |
| 2025-Q1 | — | 0.89% | — | 0.65% |
| 2025-Q2 | — | 1.04% | — | 0.71% |
| 2025-Q3 | — | 1.13% | — | 0.73% |
| 2025-Q4 | — | 1.21% | — | 0.83% |
| 2026-Q1 | 89.5/100 |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 10.38% |
| Non-performing loans | 0.07%Leads | 0.87% |
| Net charge-offs | -0.01% | -0.04%Leads |
| Efficiency ratio | 67.99%Leads | 71.03% |
| Loan-to-deposit ratio | 74.48% | 80.87% |
| Asset growth (YoY) | 1.98% | 8.05%Leads |
| Deposit / share growth (YoY) | 1.13% | 7.97%Leads |
| Branches | 7 | 10 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 1.47% |
| 72.7/100 |
| 0.80% |
| 2026-Q2 | 88.7/100 | 1.52% | 73.9/100 | 0.81% |