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Overview / Commentary
205 N. 4th Street
Grand Junction, CO 81501

Home Loan State Bank is headquartered in Grand Junction and is the 86th largest bank in the state of Colorado. It is also the 5,397th largest bank in the nation. It was established in 1960 and as of March of 2014, it had grown to 13 employees at 1 location. Home Loan State Bank's savings rates are 25% higher than the national average, and it has a B health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Home Loan State Bank has a relatively low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Home Loan State Bank had $21,000 in non-current loans and owned real-estate with $7 million in equity and loan loss allowances on hand to cover it. This gives Home Loan State Bank a Texas Ratio of 0.30% 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 decreased dramatically from 1.84% as of March 31, 2013 to 0.30% as of March 31, 2014, resulting in a positive change of 83.66%.This indicates that the balance sheet and financial strength for Home Loan State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Home Loan State Bank has decreased its total deposits by -$5.06 million, resulting in -8.3% 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 below average.



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 $71.53 million in assets with $7 million in equity, resulting in a capitalization level of 9.79%, which is above average.

Institution Statistics

FDIC Certificate #90040
Year Established1960
Primary RegulatorFDIC
Assets and Liabilities
Assets$71.53 million
Loans$25.28 million
Deposits$55.93 million
Equity Capital$6.47 million
Loan Loss Allowance$527,000
Unbacked Noncurrent Loans$21,000
Real Estate Owned$0
Historic Data - March 2013
Assets$70.34 million
Equity Capital$6.90 million
Loan Loss Allowance$506,000
Unbacked Noncurrent Loans$21,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.51%
Return on Assets0.8%
Return on Equity9.02%
Interest Income$635,000

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Home Loan State Bank Savings Account Rates

0.65%$2,500-Health Savings Account
0.15%$100-Regular Savings

Home Loan State Bank Money Market Rates

0.30%$100k-Premier Asset Account
0.25%$100k-Money Market Account

Home Loan State Bank Checking Account Rates

0.15%$5k-Heritage Checking
0.10%$5k-Legacy Checking

Home Loan State Bank CD Rates

1.01%$10k-5 Year Legacy CD
0.90%$1k-5 Year CD
0.75%$10k-4 Year Legacy CD
0.65%$1k-4 Year CD
0.60%$10k-3 Year Legacy CD
0.50%$1k-3 Year CD
0.50%$10k-2 Year Legacy CD
0.40%$1k-2 Year CD
0.40%$100-2 Year Hybrid CD
0.30%$10k-1 Year Legacy CD
0.25%$10k-6 Month Legacy CD
0.20%$1k-1 Year CD
0.20%$100-1 Year Hybrid CD
0.15%$1k-6 Month CD
0.15%$100-6 Month Hybrid CD

Home Loan State Bank Locations
Home Loan State Bank205 N. 4th StreetGrand Junction, CO 81501