Home Loan State Bank

Home Loan State Bank is headquartered in Grand Junction and is the 95^th largest bank in the state of Colorado. It is also the 6,002^nd largest bank in the nation. It was established in 1960 and as of March of 2012, it had grown to 10 employees at 1 location. Home Loan State Bank's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

Home Loan State Bank Routing Number: 302188675

Home Loan State Bank Checking Account Rates

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Home Loan State Bank CD Rates

Data for Q1 2012

Institution Statistics Home Loan State Bank FDIC Certificate # 90040 BankRate Report View Year Established 1960 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $62.39 million Loans $18.57 million Deposits $54.42 million Equity Capital $6.85 million Loan Loss Allowance $660,000 Unbacked Noncurrent Loans $52,000 Real Estate Owned $84,000 Historic Data - March 2011 Assets $48.38 million Equity Capital $6.89 million Loan Loss Allowance $498,000 Unbacked Noncurrent Loans $92,000 Profit Margin - Quarterly Net Interest Margin 2.73% Return on Assets -0.4% Return on Equity -3.72% Interest Income $552,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Home Loan State Bank had $136,000 in non-current loans and owned real-estate with $7.51 million in equity and loan loss allowances on hand to cover it. This gives Home Loan State Bank a Texas Ratio of 1.81% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Home Loan State Bank held steady from 1.25% as of March 31, 2011 to 1.81% as of March 31, 2012, resulting in a negative change of 45.39%. This indicates that the balance sheet and financial strength for Home Loan State Bank has held steady in recent periods. Deposit Growth In the past year, Home Loan State Bank has increased its total deposits by $14.08 million, resulting in 34.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Home Loan State Bank has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Home Loan State Bank has $62.39 million in assets with $7.51 million in equity, resulting in a capitalization level of 12.04%, which is excellent.

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