Home Loan State Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.8 on a scale of 0 to 10). A current level of 21.8 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.6).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 17.2 and a capital leverage ratio of 8.3. Fair liquidity 4.3, driven by a liquidity ratio of 19.4 percent and a “hot money” ratio of 4.2 percent.
Asset Mix:
Securities (44%), comm loans (10%), comm re (9%), home mtgs (7%), cash (7%), home eq lns (2%), consumer loans (0%), other (19%)
States with Branches:
CO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
205 North Fourth Street
Grand Junction, CO 81501
Grand Junction, CO 81501
Phone Number
(970) 243-6600
Year Founded
1960
FDIC Number
Website
Largest Affiliates
No affiliate information available.