Privacy Statement


Whereas Home State Bank recognizes its customers’ expectations of financial privacy; and whereas preserving our customers’ trust is one of the core values of our institution and the broader banking community; we therefore resolve to abide by the following guidelines for the responsible use and protection of our customers’ information

  • We will always value the trust of our customers and the importance of keeping their personal information confidential.
  • We will provide our customers with our policy on using their personal information responsibly and protecting it.
  • We will hold our employees to the highest standard of conduct in ensuring the confidentiality of customer information.
  • We will hold any personal medical information we may possess about our customers sacred and will NOT use if for marketing purposes or making credit decisions.
  • We will use information responsibly in order to provide our customers with significant benefits, including fraud prevention, improved products and services, and to comply with laws.
  • We will establish procedures to maintain accurate information and respond in a timely manner to our customers’ request to change or correct information.

  • We will use a combination of safeguards to protect our customers against the criminal use of their information and to prevent unauthorized access to it.

  • We will require the companies we do business with to abide by our privacy policy to maintain the confidentiality of our customers’ information.

Adopted this 10th day of October, 2000.



According to the Federal Trade Commission, identity theft is the fastest-growing crime in the country. Our ability to feel safe is becoming more difficult with terrorism and crime on a steady increase.

The USA PATRIOT ACT has paved the way for financial institutions to help prevent fraud, identity theft, and the spread of terrorism. It requires financial institutions to obtain more information from an individual or legal entity to help establish identity.

Your cooperation is needed when you open a new account or request a loan. You may be asked more questions to establish and confirm your identity. It may also be required for you to provide one or more forms of identification.

Home State Bank Board of Directors

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All text and original graphics copyright © 2012 Home State Bank

Home State Bank, 202 3rd Ave, PO Box 79, Royal, IA 51357
www.hsbroyal.com | 712-933-5511 | 877-474-5511 | FAX: 712-933-2397
For questions, e-mail hsb@ncn.net