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Overview / Commentary
2695 West Eisenhower Blvd
Loveland, CO 80537

Home State Bank is headquartered in Loveland and is the 9th largest bank in the state of Colorado. It is also the 882nd largest bank in the nation. It was established in 1950 and as of March of 2014, it had grown to 198 employees at 11 locations. Home State Bank has a A health rating.

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Reviews (1)

Awesome Bank!

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.


Data for Q1 2014

Institution Health


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 State Bank had $5.52 million in non-current loans and owned real-estate with $74.39 million in equity and loan loss allowances on hand to cover it. This gives Home State Bank a Texas Ratio of 7.42% 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 State Bank decreased dramatically from 11.05% as of March 31, 2013 to 7.42% as of March 31, 2014, resulting in a positive change of 32.83%.This indicates that the balance sheet and financial strength for Home State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Home State Bank has increased its total deposits by $48.83 million, resulting in 7.99% 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 $773.93 million in assets with $74.39 million in equity, resulting in a capitalization level of 9.61%, which is above average.

Institution Statistics

FDIC Certificate #16902
Year Established1950
Primary RegulatorFDIC
Assets and Liabilities
Assets$773.93 million
Loans$411.41 million
Deposits$659.88 million
Equity Capital$66.35 million
Loan Loss Allowance$8.04 million
Unbacked Noncurrent Loans$3.85 million
Real Estate Owned$1.67 million
Historic Data - March 2013
Assets$699.38 million
Equity Capital$64.30 million
Loan Loss Allowance$7.60 million
Unbacked Noncurrent Loans$3.85 million
Real Estate Owned$4.49 million
Profit Margin - Quarterly
Net Interest Margin3.27%
Return on Assets0.99%
Return on Equity11.65%
Interest Income$6.35 million

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Home State Bank Savings Account Rates

0.25%--Premium Business Investment Account
0.25%--Premium Investment Account
0.20%$10k-Health Savings Account
0.10%--Hometown Savings
0.10%--IRA - Variable Interest Rate Savings Account

Home State Bank Money Market Rates

0.20%$50k-Hometown Business Money Market Account
0.20%$50k-Hometown Money Market Account

Home State Bank Checking Account Rates

0.60%$20$25kHometown Rewards Checking - Qualifying
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 - Non Qualifying
0.05%$1k-Hometown Celebration

Home State Bank CD Rates

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

Home State Bank has 11 locations. Click to view all Home State Bank locations.