$230M
+19.5%y/y
Percentile by value71st percentileby value
FDIC
ASSETHL
Home Loan State Bank
Grand Junction, ColoradoFDIC Cert #90040
STATEEstablished 19602 branches
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportHome Loan State Bank reported $230M in total assets. Deposits grew 19.35% over the prior year.
Return on assets was 0.75%, compared with the official FFIEC UBPR peer median of 1.26%. The leverage ratio was 7.89%.
- Why is Deposit Growth, Year over Year above its official FFIEC UBPR peers?
- Why is Tier 1 Leverage Ratio below its official FFIEC UBPR peers?
- Why is Total Assets above its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$211M
+19.3%y/y
Percentile by value79th percentileby value
FDIC
DEP$86.1M
+10.0%y/y
Percentile by value30th percentileby value
FDIC
LNLSNET0.75%
+28 bpsy/y
Peer standing19th percentile
FDIC
NETINC + ROA70.15%
−1,217 bpsy/y
Peer standing30th percentile
FDIC
NONIX + NIM + NONII + EEFFR7.89%
−45 bpsy/y
Peer standing2nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,099 ffiec ubpr peer group 6 — insured commercial banks having assets between $100 million and $300 million.
Side-by-side comparison
Home Loan State Bank beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
0.75%
Registry median
1.26%
This bank
10.99%
FFIEC trimmed average
12.19%
This bank
3.15%
Registry median
3.95%
This bank
70.15%
Registry median
62.76%
This bank
+19.35%
FFIEC trimmed average
+4.67%
This bank
+9.97%
FFIEC trimmed average
+5.94%
This bank
1.24%
FFIEC trimmed average
0.67%
This bank
7.89%
FFIEC trimmed average
11.53%
This bank
2.41%
Registry median
2.24%
This bank
119%
Registry median
99%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
0.75%
Registry median
1.09%
This bank
10.99%
FFIEC trimmed average
10.98%
This bank
3.15%
Registry median
3.95%
This bank
70.15%
Registry median
66.38%
This bank
+19.35%
FFIEC trimmed average
+6.02%
This bank
+9.97%
FFIEC trimmed average
+6.09%
This bank
1.24%
FFIEC trimmed average
0.52%
This bank
7.89%
FFIEC trimmed average
11.57%
This bank
2.41%
Registry median
2.47%
This bank
119%
Registry median
174%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $193M | $175M |
| Q3 2021 | $195M | $176M |
| Q4 2021 | $201M | $183M |
| Q1 2022 | $207M | $192M |
| Q2 2022 | $204M | $191M |
| Q3 2022 | $205M | $193M |
| Q4 2022 | $203M | $189M |
| Q1 2023 | $199M | $185M |
| Q2 2023 | $203M | $190M |
| Q3 2023 | $198M | $186M |
| Q4 2023 | $197M | $181M |
| Q1 2024 | $189M | $174M |
| Q2 2024 | $190M | $175M |
| Q3 2024 | $202M | $185M |
| Q4 2024 | $201M | $187M |
| Q1 2025 | $193M | $177M |
| Q2 2025 | $202M | $186M |
| Q3 2025 | $209M | $190M |
| Q4 2025 | $234M | $215M |
| Q1 2026 | $230M | $211M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $15.6M |
| Investor CRE | $6.69M |
| Multifamily | $0 |
| Construction | $16.9M |
| 1–4 family | $21.2M |
| C&I | $17M |
| Agriculture | $8.6M |
| Other | $1.06M |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.75%19th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.51%Median 1.26%90th 2.16%Observations 1,099
ROE
FDIC
NETINC + ROE10.99%43rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.92%Median 11.93%90th 20.75%Observations 1,099
NIM
FDIC
NIM + NIMY3.15%14th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.01%Median 3.95%90th 4.94%Observations 1,099
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.15%30th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.29%Median 62.76%90th 82.51%Observations 1,099
Deposits YoY
FDIC
DEP+19.35%93rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.81%Median +3.80%90th +14.76%Observations 1,099
Loans YoY
FDIC
LNLSNET+9.97%73rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.93%Median +5.37%90th +18.00%Observations 1,097
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.24%75th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.38%90th 2.47%Observations 1,097
Leverage
FDIC
RBC1AAJ7.89%1st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 11.00%90th 15.77%Observations 1,099
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%42nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.24%90th 3.26%Observations 1,099
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC119%59th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 19%Median 99%90th 243%Observations 514
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA0.75%25th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.28%Median 1.09%90th 2.13%Observations 57
ROE
FDIC
NETINC + ROE10.99%50th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.37%Median 10.99%90th 21.11%Observations 57
NIM
FDIC
NIM + NIMY3.15%13th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.07%Median 3.95%90th 5.06%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR70.15%41st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 46.82%Median 66.38%90th 82.39%Observations 57
Deposits YoY
FDIC
DEP+19.35%89th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.38%Median +5.02%90th +17.05%Observations 57
Loans YoY
FDIC
LNLSNET+9.97%67th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.87%Median +6.55%90th +15.84%Observations 57
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.24%86th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.40%90th 1.47%Observations 57
Leverage
FDIC
RBC1AAJ7.89%3rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.01%Median 10.78%90th 15.41%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.41%52nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.27%Median 2.47%90th 3.17%Observations 57
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC119%37th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 21%Median 174%90th 300%Observations 31
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 2 branches
- Headquarters
- Grand Junction, CO
FDIC
OFFDOMOpen the Colorado dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data