Home Loan State Bank
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Data as of · sourced from FFIEC call reports. How we update
Home Loan State Bank is an FDIC-insured commercial bank headquartered in Grand Junction, CO, established in 1960 (FDIC certificate 90040), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $235.3M, up 16.7% from Q2 2025, the 42nd largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 14.89% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 90040
- Headquarters
- Grand Junction, CO
- Established
- 1960
- Total assets, Q2 2026
- $235.3M
- Assets vs Q2 2025
- +16.7%
- CET1 ratio, Q2 2026
- 14.89%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 302188675
- Latest call report
- Q2 2026, FFIEC 051 · Home Loan State Bank call report
- Asset rank in state
- 42nd of 63 in Colorado
Home Loan State Bank operates with a thinner capital cushion than most banks of its size. It reported $235 million in assets at June 30, 2026, up 16.7% from a year earlier. It funds 7.95% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%). It has also been growing, with assets up 16.7% in a year.
Earnings jumped: net income for the quarter was $655,000, 180% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 4.85%.
As of June 30, 2026, Home Loan State Bank reported a CET1 capital ratio of 14.89%, a return on assets of 1.07%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Home Loan State Bank is the 42nd largest of the 63 banks headquartered in Colorado. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.1% to $235.3M, loans rose 2.5% and deposits rose 2.1%. 1-4 family residential loans made up 26.4% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 19.6%. Its 2 offices in the FDIC Summary of Deposits are in Grand Junction, CO and Montrose, CO; its Grand Junction office books 61% of its branch deposits. By the capital ratios in its Q2 2026 call report, Home Loan State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 205 N 4th St, Grand Junction, CO 81501
- County
- Mesa
- Metro Area
- Grand Junction, CO
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 16, 1960
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $215.9M
- Allowance for credit losses
- $935K
- Net charge-offs (YTD)
- $0
- Average total assets
- $244.2M
- Average total loans
- $87.5M
- Average interest-bearing deposits
- $161.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- September 28, 1987
- FDIC Cert
- 90040
- Fed RSSD
- 499154
- Website
- www.hlsb.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Home Loan State Bank's total assets moved between a low of $189.0M (Q1 2024) and a high of $235.3M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$235.3M total assets against $201.6M; $219.1M total liabilities against $188.8M.
$88.3M net loans and leases against $83.2M; $215.9M total deposits against $185.9M.
$89.9M securities against $85.6M; $41.5M cash and balances due against $16.2M.
$3.1M total interest income against $2.3M; $1.0M total interest expense against $859K.
$2.1M net interest income against $1.5M.
$129K total noninterest income against $98K; $1.3M total noninterest expense against $1.3M.
$0 provision for credit losses against $0.
$655K net income against $234K.
1.07% return on assets against 0.47%; 3.67% net interest margin against 3.30%.
14.89% CET1 capital ratio against 13.16%; 7.95% tier 1 leverage ratio against 8.74%.
Inside the full Home Loan State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHome Loan State Bank rankings
Its closest position to the top of a national ranking is 914 of 2,134, for CET1 ratio; its furthest is 3,513 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.17% (Q4 2024) to 2.05% (Q3 2025) and its net interest margin ran from 2.78% (Q4 2024) to 4.11% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.89% | 1.07% | 0.00% | 0.00% | 3.67% |
| Q1 2026 | 14.02% | 0.73% | 1.24% | 6.38% | 3.13% |
| Q4 2025 | 13.97% | -0.17% | 1.40% | 7.40% | 3.34% |
| Q3 2025 | 14.09% | 2.05% | 1.54% | 7.99% | 4.11% |
| Q2 2025 | 13.16% | 0.47% | 4.85% | 28.49% | 3.30% |
| Q1 2025 | 13.38% | 0.44% | 5.14% | 28.26% | 3.01% |
| Q4 2024 | 12.81% | -0.17% | 4.86% | 30.41% | 2.78% |
| Q3 2024 | 12.95% | 1.45% | 0.00% | 0.00% | 3.52% |
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Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Loan State Bank (main office) | Grand Junction , CO | 81501 | $132.3M |
| Montrose Branch | Montrose , CO | 81401 | $83.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in CO, rank 68 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $999K approved, $999K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Home Loan State Bank
What are Home Loan State Bank's total assets?
As of the Q2 2026 filing, Home Loan State Bank reported total assets of $235.3 million in its FFIEC call report.
Where is Home Loan State Bank headquartered?
It is headquartered in Grand Junction, CO, United States.
When was Home Loan State Bank founded?
It was established in 1960, per the FDIC institution directory.
Is Home Loan State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #90040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Loan State Bank?
Home Loan State Bank's primary federal regulator is the FDIC.
What is Home Loan State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.89% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Home Loan State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Loan State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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