Home State Bank

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Home State Bank Home State Bank is a family-owned community bank in Minnesota-Willmar, Cosmos, Litchfield, Hutchinson

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 essential personal banking services- including checking and savings accounts, mobile deposit, digital wallet, home loans, home equity lines of credit, car loans, and credit cards.

Behind every growing business is a team that believes in what’s possible. 💼At Home State Bank, our Business Lending Team...
10/16/2026

Behind every growing business is a team that believes in what’s possible. 💼

At Home State Bank, our Business Lending Team takes the time to understand your goals, your challenges and where you want to go next. Whether you’re expanding, investing in equipment or planning your next big move, we’re here to help you find financing that fits your business.

Big plans start with the right people in your corner. Let’s talk!

All loans are subject to credit approval. Equal Housing Lender.

10/16/2026

🏡 Just closed on a mortgage and suddenly your phone won’t stop ringing?

When a mortgage is filed, certain information becomes public record—and solicitors may use those records to contact you with calls, mail and offers you didn’t ask for.

The good news? There are steps you can take to cut down on the noise. In this Reel, we’re sharing a couple simple ways to help limit unwanted solicitations. Visit the websites below for more information.

🌐 www.donotcall.gov
🌐 www.optoutprescreen.com

Still have questions? Stop by or give your local Home State Bank a call. We’re always happy to help!

10/07/2026

What does it mean to be “upside down” on a vehicle loan? 🚗

Negative equity happens when you owe more on your vehicle than it’s currently worth—which can make selling or trading it in more difficult. In this Reel, Sam explains how making a down payment can lower the amount you borrow, reduce your monthly payment and total interest, and help protect against depreciation.

Planning ahead now can give you more financial flexibility down the road. Connect with your local Home State Bank lender to explore your vehicle financing options.

All loans are subject to credit approval. Equal Housing Lender.

10/05/2026

When Brandon was given the opportunity to purchase Mid MN Septic Services , he needed a banking partner who could help make the transition simple.

After being referred to Brigetta at Home State Bank, Brandon received support with his initial financing, equipment purchases, and even the unexpected questions that come with running a business.

We’re proud to support local business owners like Brandon as they build, grow, and serve our communities. Thank you for trusting Home State Bank, Mid MN Septic Services !

All loans are subject to credit approval. Equal Housing Lender.

Please join us in celebrating Laura Wrobleski and 15 wonderful years with Home State Bank! 🎉We’re grateful for the commi...
10/03/2026

Please join us in celebrating Laura Wrobleski and 15 wonderful years with Home State Bank! 🎉

We’re grateful for the commitment, experience, and positivity Laura has shared with our team and customers throughout the years. Congratulations on this well-deserved milestone, Laura—we’re lucky to have you as part of Team HSB!

Harvest season brings long days, changing conditions, and important decisions. That’s where having a local lender who un...
09/29/2026

Harvest season brings long days, changing conditions, and important decisions. That’s where having a local lender who understands agriculture can make a difference.

Brian at our Litchfield branch is here to help with your operation’s needs—from seasonal expenses and equipment financing to land purchases and future growth. Stop by or connect with Brian to start the conversation.

All loans are subject to credit approval.

Banking needs are always evolving—and so is our digital banking experience. 📱At Home State Bank, we’re continually looki...
09/28/2026

Banking needs are always evolving—and so is our digital banking experience. 📱

At Home State Bank, we’re continually looking for ways to add helpful features and improve our mobile app, making it easier to manage your money wherever life takes you.

What would you like to see added next? Let us know!

The holidays will be here before we know it! 🎁 If seasonal spending is part of your plans, setting money aside in a sepa...
09/25/2026

The holidays will be here before we know it! 🎁 If seasonal spending is part of your plans, setting money aside in a separate savings account can help you stay organized and feel more prepared.

Stop by your local Home State Bank branch or use our mobile app to create a separate account for your holiday spending.

Last week, we celebrated an incredible milestone—Alicia Sawatzky’s 20th anniversary with Home State Bank! 🎉Alicia, thank...
09/25/2026

Last week, we celebrated an incredible milestone—Alicia Sawatzky’s 20th anniversary with Home State Bank! 🎉

Alicia, thank you for your dedication, hard work, and the many ways you’ve contributed over the past two decades. From everyone at Home State Bank, congratulations on 20 years of service!

09/24/2026

Can Tim jump rope in a suit? You bet he can. 👔

And if he can make that look easy, imagine how he can help simplify the home loan preapproval process! Connect with Tim at our Hutchinson branch when you’re ready to take the first step toward your next home.

All loans are subject to credit approval.

Address

1435 U.S. 12
Litchfield, MN
55355

Opening Hours

Monday 9am - 4pm
Tuesday 9am - 4pm
Wednesday 9am - 4pm
Thursday 9am - 4pm
Friday 9am - 4pm

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