Home Loan State Bank is a state-chartered bank headquartered in Grand Junction, Colorado, in business for about 66 years. At the end of Q2 2026 it reported $235.3M in total assets and $215.9M in deposits, with 2 offices.
Home Loan State Bank has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 37% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 43rd. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (29/100, 7.95%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 32 points (36 → 68), mostly because the loan quality component improved by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 67 |
| Q4 2024 | 33 |
| Q1 2025 | 36 |
| Q2 2025 | 36 |
| Q3 2025 | 57 |
| Q4 2025 | 54 |
| Q1 2026 | 55 |
| Q2 2026 | 68 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.68% |
| Q3 2024 | 9.02% |
| Q4 2024 | 8.29% |
| Q1 2025 | 8.34% |
| Q2 2025 | 8.74% |
| Q3 2025 | 8.71% |
| Q4 2025 | 8.35% |
| Q1 2026 | 7.89% |
| Q2 2026 | 7.95% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 4.86% |
| Q1 2025 | 5.14% |
| Q2 2025 | 4.85% |
| Q3 2025 | 1.54% |
| Q4 2025 | 1.40% |
| Q1 2026 | 1.24% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.07% |
| Q3 2024 | 0.43% |
| Q4 2024 | 0.27% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.47% |
| Q3 2025 | 1.03% |
| Q4 2025 | 0.70% |
| Q1 2026 | 0.75% |
| Q2 2026 | 0.93% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 68 | $235.3M | 7.95% | 0.00% | 0.93% | 40.9% |
| Q1 2026 | 55 | $230.5M | 7.89% | 1.24% | 0.75% | 40.7% |
| Q4 2025 | 54 | $234.0M | 8.35% | 1.40% | 0.70% | 40.4% |
| Q3 2025 | 57 | $208.6M | 8.71% | 1.54% | 1.03% | 44.4% |
| Q2 2025 | 36 | $201.6M | 8.74% | 4.85% | 0.47% | 44.8% |
| Q1 2025 | 36 | $192.9M | 8.34% | 5.14% | 0.46% | 44.2% |
| Q4 2024 | 33 | $201.5M | 8.29% | 4.86% | 0.27% | 44.4% |
| Q3 2024 | 67 | $202.2M | 9.02% | 0.00% | 0.43% | 45.4% |
| Q2 2024 | 63 | $190.0M | 8.68% | 0.00% | -0.07% | 47.3% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Citizens State Bank of OurayBank Ouray, CO | 67 out of 100, Moderate | $231.2M | 8.4% | 0.00% | vs |
| First Pioneer National BankBank Wray, CO | 56 out of 100, Moderate | $243.4M | 12.5% | 2.79% | vs |
| The First National Bank in TrinidadBank Trinidad, CO | 64 out of 100, Moderate | $250.5M | 10.9% | 0.95% | vs |
| The Gunnison Bank and Trust CompanyBank Gunnison, CO | 90 out of 100, Very strong | $255.4M | 13.9% | 0.05% | vs |
| Community State BankBank Lamar, CO | 78 out of 100, Strong | $208.1M | 12.5% | 0.90% | vs |
| Verus Bank of CommerceBank Fort Collins, CO | 84 out of 100, Strong | $202.4M | 18.5% | 0.00% | vs |
Deposit insurance
Is my money safe at Home Loan State Bank?
Yes. Home Loan State Bank is an FDIC-insured institution (FDIC certificate #90040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.9% of deposits ($64.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.95%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.23% (benchmark: 10%).
2 locations
Branches
Home Loan State Bank lists 2 offices in 2 cities. Most locations:
- Grand Junction, CO (1)
- Montrose, CO (1)
Identity & history
Profile
- Legal name
- Home Loan State Bank
- Former names
- Home Loan Industrial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 90040
- RSSD ID
- 499154
- Primary regulator
- FDIC
- Established
- December 16, 1960
- Headquarters
- 205 N 4th St, Grand Junction, CO 81501
- Website
- www.hlsb.com
- Employees
- 27
Quick answers
Home Loan State Bank: common questions
Is Home Loan State Bank FDIC insured?
Yes. Home Loan State Bank is an FDIC-insured institution (FDIC certificate #90040). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Home Loan State Bank's TellerScore?
68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Home Loan State Bank ever failed?
There is no failure record for FDIC certificate #90040 in the FDIC failed bank list.
How many branches does Home Loan State Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Grand Junction
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Rio Grande Federal Credit UnionCredit union Grand Junction, CO | 97 out of 100, Very strong | $80.8M | 22.0% | 0.03% | vs |
| Grand Junction Federal Credit UnionCredit union Grand Junction, CO | 83 out of 100, Strong | $115.0M | 19.7% | 0.72% | vs |
| Grand Valley BankBank Heber City, UT | 82 out of 100, Strong | $599.4M | 11.5% | 0.02% | vs |
| Timberline BankBank Grand Junction, CO | 75 out of 100, Strong | $832.6M | 9.4% | 0.06% | vs |
| Bank of ColoradoBank Fort Collins, CO | 74 out of 100, Strong | $7.6B | 10.5% | 0.10% | vs |
| Alpine BankBank Glenwood Springs, CO | 73 out of 100, Strong | $6.7B | 11.0% | 0.31% | vs |