Supporting and Growing Our Communities Since 1926.


At Home State Bank, our mission is to support and grow our communities by helping people overcome financial challenges and achieve economic success. We are focused on you and your unique financial needs.  With our experience, personnel, and services, we are here to guide you towards your financial dreams and goals! 

We opened our doors in 1926 and have grown significantly ever since. Today, we proudly serve a large area of central and west central Minnesota in the great communities of Willmar, Cosmos, Litchfield, and Hutchinson. 

Our Guiding Principles

  • Customer Focused-We are committed to total customer satisfaction. We are friendly, we build relationships, and solve challenges.
  • Collective Wisdom- We are knowledgeable, continuously learning, and innovative in meeting our customers' financial needs.
  • Community Driven-We build strong communities and volunteer our time, knowledge, and resources.
  • Committed-We work hard and embrace change with an optimistic attitude. We are reliable, accountable, flexible, and enthusiastic.
  • Collaboration-We are courteous, kind, and professional. We work together to strengthen and enrich the lives of our customers and employees.

Our Specialties

  • Commercial banking for small and mid-sized businesses, including equipment, operating, commercial real estate, and SBA loans, and a comprehensive suite of cash management services.
  • All the essentail personal banking serivces- including checking and savings accounts, mobile deposit, digital wallet, home loans, home equity lines of credit, car loans, and credit cards.  

Stop in at any of our locations in Willmar, Cosmos, Litchfield, or Hutchinson and find out for yourself, why we truly are the 'People You Can Talk To'!