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BDI
HL

Home Loan State Bank

Grand Junction, ColoradoFDIC Cert #90040

STATEEstablished 19602 branches

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Profitability, margin & efficiency

Performance

Returns, spread economics, operating efficiency, and growth viewed against this bank's official FFIEC UBPR peers.

As of Q1 2026

Returns & margin

Annualized returns and the economics of earning assets and paid funding.

ROA
0.75%
+61.3%y/y
Peer standing19th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNETINC + ROA
ROE
10.99%
+49.1%y/y
Peer standing44th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNETINC + ROE
Pretax ROA
0.92%
+72.7%y/y
Peer standing21st percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICPTAXNETINC + ASSET
NIM
3.15%
+1.7%y/y
Peer standing14th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNIM + NIMY
Earning yield
4.95%
−3.1%y/y
Peer standing23rd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICINTINCY
IB deposit cost
2.41%
−9.8%y/y
Peer standing42nd percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICEINTEXP + DEPIDOM

Efficiency & growth

Operating productivity and year-over-year balance-sheet momentum.

Efficiency
70.15%
−14.8%y/y
Peer standing30th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONIX + NIM + NONII + EEFFR
Expense/assets
2.16%
−12.8%y/y
Peer standing74th percentile
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONIX + ASSET
Fee share
5.02%
−24.6%y/y
Percentile by value20th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICNONII + NIM
Assets YoY
+19.48%
+838.7%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICASSET
Deposits YoY
+19.35%
+833.4%y/y
Percentile by value94th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICDEP
Loans YoY
+9.97%
+405.4%y/y
Percentile by value74th percentileby value
Peer standing in FFIEC UBPR Peer Group 6 — Insured commercial banks having assets between $100 million and $300 million
FDICLNLSNET

How this bank compares

Switch cohorts or expand any row to inspect the full distribution.

UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDICNETINC + ROA
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
FDICNETINC + ROE
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
FDICNIM + NIMY
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
FDICNONIX + NIM + NONII + EEFFR
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
FDICDEP
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
FDICLNLSNET
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 %
FDICP9ASSET + NAASSET + LNLSGR
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
FDICRBC1AAJ
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
FDICEINTEXP + DEPIDOM
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
FDICLNRENROT + LNREMULT + LNRECONS + RBC
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.