Home Loan State Bank
Grand Junction, CO
IDRSSD: 499154
Total Assets
$234.02M
Latest filing
Total Deposits
$215.49M
Latest filing
Net Interest Margin
3.24%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
302188675GRAND JUNCTION, CO
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Home Loan State Bank
205 N 4th St
Grand Junction, CO 81501
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/16/1960FDIC Certificate 17681
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Home Loan State Bank (Main) | 205 N 4th St | Grand Junction, CO |
| MONTROSE BRANCH | 1440 Encanto Place | Montrose, CO |
Showing 1 of 1
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Timberline Bank
Grand Junction, Colorado
→
Assets: $781.49MΔ +274.6%
Community State Bank
Lamar, Colorado
→
Assets: $202.27MΔ -3.0%
The Citizens State Bank of Ouray
Ouray, Colorado
→
Assets: $222.81MΔ +6.8%
Verus Bank of Commerce
Fort Collins, Colorado
→
Assets: $190.22MΔ -8.8%
First Pioneer National Bank
Wray, Colorado
→
Assets: $240.31MΔ +15.2%
Equitable Savings and Loan Association
Sterling, Colorado
→
Assets: $166.61MΔ -20.1%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 12/16/1960 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 81501 |
| State and County Number | 08077 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Grand Junction, CO |
Operational Info
| Number of Employees | 29 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 09/28/1987 |
| Primary Insurance Agency | DIF |
| Website | www.hlsb.com |
| Data Updated | 01/30/2026 |
| CERT | 90040 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $234.02M |
| Total Deposits | $215.49M |
| Total Liabilities | $218.30M |
| Total Equity Capital | $15.72M |
| Net Income | $-91,000 |
| Net Loans and Leases | $87.07M |
| Assets Per Employee ($Millions) | $8.07M |
| Bank Premises and Fixed Assets | $11.53M |
| Cash and Balances due from Depository Institutions | $44.69M |
| Deposits Held in Domestic Offices | $215.49M |
Key Performance Ratios
| Return on Assets (ROA) | -0.16% |
| Return on Equity (ROE) | -2.33% |
| Net Interest Margin | 3.24% |
| Efficiency Ratio | 116.29% |
| Tier 1 Risk-Based Capital Ratio | 13.967% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 6.717% |
| Earning Assets to total Assets | 93.49% |
Income and Expense
| Total Interest Income | $2.60M |
| Total Noninterest Income | $-516,000 |
| Total Interest Expense | $945.00k |
| Total Noninterest Expense | $1.33M |
| Net Interest Income | $1.66M |
| Pre-tax Net Operating Income | $-186,000 |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $2.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $512.00k |
| Total Liabilities and Capital | $234.02M |
Securities
| Securities | $88.26M |
| Available-for-sale debt securities | $88.26M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Home Loan State Bank?
$234.02M as of the latest filing.
How much are Home Loan State Bank's total deposits?
$215.49M in total deposits.
Where is Home Loan State Bank located?
Grand Junction, CO.
What is the Net Interest Margin?
3.24%.
How many domestic offices does it operate?
2.
When was it established?
12/16/1960.
What is the Return on Assets (ROA)?
-0.16%.
How much are total loans and leases?
$87.07M (latest filing).
What is the total interest income (latest filing)?
$2.60M.