Home Loan State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Loan State Bank of Grand Junction, CO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.07% | 1.35% | -0.28% | 37th below |
| ROAE | 16.33% | 12.05% | +4.28% | 73rd above |
| Net Interest Margin | 3.67% | 3.90% | -0.23% | 35th below |
| Efficiency Ratio | 60.55% | 63.15% | -2.60% | 52nd above |
| PPNR / Avg Assets | 1.36% | 1.64% | -0.28% | 37th below |
| Yield on Earning Assets | 5.49% | 5.65% | -0.16% | 45th below |
| Cost of Funds | 1.92% | 1.85% | +0.07% | 42nd below |
| Net Interest Spread | 2.94% | 3.35% | -0.41% | 30th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.29% | 0.92% | +0.37% | 22nd bottom |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.49% | 0.67% | -0.18% | 39th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 31st below |
| ACL / NPLs (Coverage) | 81.52% | 1645.80% | -1564.28% | 21st bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.72% | 7.15% | -0.43% | 32nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.89% | 20.83% | -5.94% | 48th below |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.39% | 20.86% | -3.47% | 65th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.23% | 21.94% | -3.71% | 64th above |
| Leverage Ratio | 7.95% | 12.47% | -4.52% | 2nd bottom |
| Equity / Assets | 6.86% | 11.67% | -4.81% | 6th bottom |
| TCE / Tangible Assets | 5.67% | 11.40% | -5.73% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 41.35% | 78.66% | -37.31% | 95th top |
| Core Deposit Ratio | 98.92% | 87.09% | +11.83% | 98th top |
| Wholesale Funding Ratio | 0.93% | 5.12% | -4.19% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.69% | 6.47% | +10.22% | 93rd top |
| Loan Growth (Y/Y) | 5.22% | 7.64% | -2.42% | 49th below |
| Deposit Growth (Y/Y) | 16.13% | 6.02% | +10.11% | 92nd top |
See Home Loan State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Loan State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Home Loan State Bank profile, how to read a UBPR, or how this data updates.