Home Loan State Bank

Overview / Commentary

www.hlsb.com

970-243-6600

205 N. 4th Street
Grand Junction, CO 81501

Home Loan State Bank is headquartered in Grand Junction and is the 45^th largest bank in the state of Colorado. It is also the 3,100^th largest bank in the nation. It was established in 1960 and as of December of 2021, it had grown to 24 employees at 2 locations. Home Loan State Bank has an A health rating.

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Health

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	90040
Year Established	1960
Employees	24
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.74%
Return on Equity - YTD	10.25%
Annual Interest Income	$5.6MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$201.1MM$185.2MM
Loans	Q4 2021vs Q4 2020	$68.4MM$80.3MM
Deposits	Q4 2021vs Q4 2020	$183.1MM$167.0MM
Equity Capital	Q4 2021vs Q4 2020	$14.1MM$13.8MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$807.00K$808.00K
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$230.00K$230.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
Checking
CD

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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
0.25%^*	$2.5k^*	-	Health Savings Account
OTHER TIERS: 0.03% → $750 - $2.5k
0.05%	$100	-	Regular Savings

Home Loan State Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$100k^*	-	Premier Asset Account
OTHER TIERS: 0.05% → $100 - $20k \| 0.07% → $20k - $50k \| 0.10% → $50k - $100k
0.10%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.03% → $100 - $2.5k \| 0.05% → $2.5k - $100k

Home Loan State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.07%^*	$5k^*	-	Heritage Checking
OTHER TIERS: 0.03% → $500 - $5k
0.05%^*	$10k^*	-	Legacy Checking
OTHER TIERS: 0.03% → $5k - $10k

Home Loan State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.55%	$10k	-	5 Year Legacy CD
0.50%	$1k	-	5 Year CD
0.50%	$10k	-	4 Year Legacy CD
0.45%	$1k	-	4 Year CD
0.40%	$10k	-	3 Year Legacy CD
0.30%	$1k	-	3 Year CD
0.30%	$10k	-	2 Year Legacy CD
0.20%	$1k	-	2 Year CD
0.20%	$100	-	2 Year Hybrid CD
0.20%	$10k	-	1 Year Legacy CD
0.10%	$1k	-	1 Year CD
0.10%	$100	-	1 Year Hybrid CD
0.10%	$10k	-	6 Month Legacy CD
0.05%	$1k	-	6 Month CD
0.05%	$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

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