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Home Loan State Bank
Grand Junction, CO · FDIC Certificate #90040 · Chartered 12/1
Total assets
$235.28M
Total deposits
$215.86M
Total equity
$16.14M
Net loans
$88.32M
Branches (offices)
2
Net income (YTD)
$1.09M
Rank: #2,785 of 4,213 U.S. banks by assets · #42 of 63 in Colorado. Assets changed 16.7% and deposits 16.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.93% |
| Return on equity | 13.68% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 6.86% |
| Tier 1 leverage ratio | 7.95% |
| Uninsured deposits (share of deposits) | 29.9% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 40.9% |
| Real estate loans (share of loans) | 75.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $66.27M | 75.0% | |
| Commercial & industrial | $17.47M | 19.8% | |
| Consumer / individual | $535.00K | 0.6% | |
| Construction & development | $15.38M | 17.4% | |
| Agricultural | $3.26M | 3.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $203.61M | $191.19M | $521.00K | $9.14M |
| Jun 2023 | $203.09M | $189.66M | $1.03M | $10.35M |
| Jun 2024 | $190.04M | $175.20M | -$69.00K | $11.61M |
| Jun 2025 | $201.62M | $185.88M | $463.00K | $12.82M |
| Jun 2026 | $235.28M | $215.86M | $1.09M | $16.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Colorado | $215.86M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $215.86M.
Similar-sized banks
Loyal Trust Bank ($235.33M) · First Federal Savings And Loan Association Of Central Illinois, S.B. ($234.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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