Home Loan State Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.90%	5-year CD	5 Year CD 1.85% - Synchrony Bank 60 Month CD
0.20%	1-year CD	1 Year Hybrid CD 1.05% - Ally Bank High Yield 12-Month CD
0.15%	Savings	Regular Savings 1.00% - Ally Bank Online Savings Account

View all Home Loan State Bank rates »

Overview / Commentary

www.hlsb.com

800-576-6428

205 N. 4th Street
Grand Junction, CO 81501

Home Loan State Bank is headquartered in Grand Junction and is the 75^th largest bank in the state of Colorado. It is also the 4,586^th largest bank in the nation. It was established in 1960 and as of June of 2016, it had grown to 25 employees at 2 locations. Home Loan State Bank has a B+ health rating.

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Health

B+

Data as of Q2 2016

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

Health Grade Components

Overall
FDIC Certificate #	90040
Year Established	1960
Employees	25
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.8%
Return on Equity - YTD	9.24%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$92.0MM$76.9MM
Loans	Q2 2016vs Q2 2015	$47.7MM$32.9MM
Deposits	Q2 2016vs Q2 2015	$80.4MM$63.9MM
Equity Capital	Q2 2016vs Q2 2015	$7.9MM$7.3MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$317.00K$463.00K
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$552.00K$1.4MM
Real Estate Owned	Q2 2016vs Q2 2015	$0$282.00K

Rates

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Money Market
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Home Loan State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$2,500^*	-	Health Savings Account
OTHER TIERS: 0.15% → $100 - $2,500
0.15%	$100	-	Regular Savings

Home Loan State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*	$100k^*	-	Premier Asset Account
OTHER TIERS: 0.20% → $100 - $20k \| 0.25% → $20k - $50k \| 0.30% → $50k - $100k
0.25%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.10% → $100 - $20k \| 0.15% → $20k - $100k

Home Loan State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$5k^*	-	Legacy Checking
OTHER TIERS: 0.10% → $500 - $5k
0.10%^*	$5k^*	-	Heritage Checking
OTHER TIERS: 0.05% → $500 - $5k

Home Loan State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Home Loan State Bank Locations
Home Loan State Bank	205 N. 4th Street	Grand Junction, CO 81501
Montrose Branch	340 South Townsend Avenue	Montrose, CO 81401