Home State Bank & Trust is a locally owned financial institution that provides personal and business banking products and services. The company s personal banking products include free and interest-bearing checking accounts, savings accounts, individual retirement accounts, certificates of deposit, automobile and consumer loans, home equity loans and lines of credit, fixed- and variable-rate mortgages, credit cards and construction loans. Its business banking products and services include checking accounts, payroll services, cash management, wire transfers, lines and letters of credit, Small Business Association Loans, term loans and real estate loans. Home State Bank & Trust operates several locations in McPherson, Kan.