C
Home Loan State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Home Loan State Bank
Grand Junction, CO
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Rating C
Asset Quality Index 4.30
Capitalization Index 6.70
Liquidity Index 4.30
Profitability Index 4.40
Stability Index 2.80
Company Info Home Loan State Bank
Grand Junction, CO
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FDIC Number 90040
Phone Number (970) 243-6600
Website www.hlsb.com
Asset Quality Home Loan State Bank
Grand Junction, CO
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1-Year Asset Growth 3.20%
5-Year Asset Growth 10.57%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.63%
Non-Performing Loans to Capital 6.76%
Non-Performing Loans to Loans 1.54%
Balance Sheet Home Loan State Bank
Grand Junction, CO
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Total Assets 208.62M
Total Deposits 189.91M
Capital and Reserves Home Loan State Bank
Grand Junction, CO
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Capital 15.50M
Leverage Ratio 8.71
Loan Loss Reserves to Loans 1.10%
Risk-Based Capital Ratio 17.43
Liquidity Home Loan State Bank
Grand Junction, CO
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Hot Money Ratio 3.99%
Liquidity Ratio 22.11%
Profitability Home Loan State Bank
Grand Junction, CO
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5-Year Return on Average Assets 0.78%
Net Income 1.55M
Net Interest Spread 3.48%
Operating Profit to Average Assets 1.25%
Overhead Efficiency Ratio 75.00%
Return on Assets 1.00%
Return on Equity 15.70%