BanksHOME LOAN STATE BANK

HOME LOAN STATE BANK

GRAND JUNCTION, COSmallEst. Dec. 16, 1960, midnightFDIC #90040RSSD #499154FDIC
Latest · 2025-12-31

HOME LOAN STATE BANK is an FDIC-insured commercial bank headquartered in GRAND JUNCTION, CO, established in Dec. 16, 1960, midnight. As of 2025-12-31, the bank reported total assets of $234M and total deposits of $215M. Profitability stands at -0.16% ROA and -2.33% ROE, with a net interest margin of 3.26%. CET1 capital ratio: 13.97%, well above regulatory minimums. NPL ratio: 1.40% · Texas Ratio: 7.40%. Operates 2 domestic branches.

Assets
$234M
Deposits
$215M
Loans
$88M
Equity
$16M

Profitability

Return on Assets (ROA)-0.16%
Return on Equity (ROE)-2.33%
Net Interest Margin3.26%
Yield on Assets5.11%
Cost of Funds1.84%

Asset Quality

NPL Ratio1.40%
Net Charge-Off Ratio0.00%
Texas Ratio7.40%
NPA Ratio0.53%
ACL / Loans1.06%

Capital & Liquidity

CET1 Ratio13.97%
Tier 1 Capital16.47%
Total Capital Ratio17.30%
Leverage Ratio8.35%
Loan-to-Deposit40.84%

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