Home Loan State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 5.30 percentage points lower than in Q1 2026, at 81.52%. Within Colorado, Home Loan State Bank is 38th of 63 on return on assets, 1.07% as of Q2 2026, below the middle of the field. Home Loan State Bank reported 1.07% on return on assets for Q2 2026, 0.18 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.89% |
| Tier 1 risk-based capital ratio | 17.39% |
| Total risk-based capital ratio | 18.23% |
| Tier 1 leverage ratio | 7.95% |
| Equity capital to assets | 6.86% |
| Tangible equity to tangible assets | 6.86% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.29% |
| Non-performing assets ratio | 0.49% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.72% |
| Allowance for credit losses to loans | 1.05% |
| Reserve coverage of non-performing loans | 81.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 16.33% |
| Net interest margin | 3.67% |
| Efficiency ratio | 60.55% |
| Yield on earning assets | 5.49% |
| Cost of funds | 1.92% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 41.35% |
| Core deposits to total deposits | 98.92% |
| Brokered deposits to total deposits | 1.67% |
| Deposits to assets | 91.75% |
| Securities to assets | 38.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.68% | 15.29% | 16.07% | 8.51% | 1.08% |
| Q4 2023 | 12.87% | 15.46% | 16.23% | 8.76% | 0.74% |
| Q1 2024 | 13.04% | 15.60% | 16.37% | 9.22% | 0.68% |
| Q2 2024 | 12.82% | 15.42% | 16.69% | 8.68% | -0.80% |
| Q3 2024 | 12.95% | 15.46% | 16.73% | 9.02% | 1.45% |
| Q4 2024 | 12.81% | 15.31% | 16.58% | 8.29% | -0.17% |
| Q1 2025 | 13.38% | 15.95% | 17.22% | 8.34% | 0.44% |
| Q2 2025 | 13.16% | 15.66% | 16.93% | 8.74% | 0.47% |
| Q3 2025 | 14.09% | 16.59% | 17.43% | 8.71% | 2.05% |
| Q4 2025 | 13.97% | 16.47% | 17.30% | 8.35% | -0.17% |
| Q1 2026 | 14.02% | 16.47% | 17.29% | 7.89% | 0.73% |
| Q2 2026 | 14.89% | 17.39% | 18.23% | 7.95% | 1.07% |
Home Loan State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Home Loan State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Home Loan State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90040) · FFIEC NIC profile (RSSD 499154)