Home State Bank is headquartered in Loveland and is the 10st largest bank in the state of Colorado. It is also the 912st largest bank in the nation. It was established in 1950 and as of December of 2013, it had grown to 195 employees at 11 locations. Home State Bank has a A health rating.
Best banking experience I've ever had. Extremely fair practices. Very friendly and helpful associates. I'm moving out of the area and am having the hardest time finding a bank. None even come close to offering what Home State does. Their Free Checking is interest bearing!! I would recommend them to anyone. I am a real customer. I don't work for them or have any ties to the bank other than having my accounts there.
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 December 31, 2013 Home State Bank had $7.68 million in non-current loans and owned real-estate with $70.89 million in equity and loan loss allowances on hand to cover it. This gives Home State Bank a Texas Ratio of 10.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Home State Bank decreased dramatically from 16.14% as of December 31, 2012 to 10.83% as of December 31, 2013, resulting in a positive change of 32.92%.This indicates that the balance sheet and financial strength for Home State Bank has improved dramatically in recent periods.
In the past year, Home State Bank has increased its total deposits by $53.73 million, resulting in 9.02% 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 State Bank has shown is excellent.
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 State Bank has $739.5 million in assets with $70.89 million in equity, resulting in a capitalization level of 9.59%, which is above average.
|FDIC Certificate #||16902|
|Assets and Liabilities|
|Equity Capital||$62.66 million|
|Loan Loss Allowance||$8.23 million|
|Unbacked Noncurrent Loans||$3.89 million|
|Real Estate Owned||$3.78 million|
|Historic Data - December 2012|
|Equity Capital||$62.96 million|
|Loan Loss Allowance||$7.47 million|
|Unbacked Noncurrent Loans||$3.89 million|
|Real Estate Owned||$6.35 million|
|Profit Margin - Quarterly|
|Net Interest Margin||3.37%|
|Return on Assets||1.1%|
|Return on Equity||12.52%|
|Interest Income||$24.75 million|
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|0.25%||-||-||Premium Business Investment Account|
|0.25%||-||-||Premium Investment Account|
|0.20%||$10k||-||Health Savings Account|
|0.10%||-||-||IRA - Variable Interest Rate Savings Account|
|0.20%||$50k||-||Hometown Business Money Market Account|
|0.20%||$50k||-||Hometown Money Market Account|
|0.60%||$20||$25k||Hometown Rewards Checking|
|0.20%||$250k||-||Hometown Premium Non-Profit Checking|
|0.20%||$500k||-||Hometown Premium Business Checking|
|0.05%||-||-||Hometown Business NOW|
|0.05%||-||-||Hometown Rewards Checking|
|0.91%||$100k||-||Business 60 + Month Certificate|
|0.91%||$100k||-||60 + Month Certificate|
|0.80%||$100k||-||Business 48 - 59 Month Certificate|
|0.80%||$100k||-||48 - 59 Month Certificate|
|0.75%||$100k||-||Business 36 - 47 Month Certificate|
|0.75%||$100k||-||36 - 47 Month Certificate|
|0.60%||$100k||-||Business 24 - 35 Month Certificate|
|0.60%||$100k||-||24 - 35 Month Certificate|
|0.40%||$100k||-||Business 18 - 23 Month Certificate|
|0.40%||$100k||-||18 - 23 Month Certificate|
|0.35%||$100k||-||Business 12 - 17 Month Certificate|
|0.35%||$100k||-||12 - 17 Month Certificate|
|0.30%||$100k||-||Business 6 Month Certificate|
|0.30%||$100k||-||Business 7 - 11 Month Certificate|
|0.30%||$100k||-||6 Month Certificate|
|0.30%||$100k||-||7 - 11 Month Certificate|
|0.25%||-||-||Business Savers 20/20 Certificate|
|0.25%||-||-||Savers 20/20 Certificate|
|0.20%||$100k||-||Business 3 - 5 Month Certificate|
|0.20%||$100k||-||3 - 5 Month Certificate|