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 Fair overall stability index (3.6 on a scale of 0 to 10). A current level of 25.8 percent of nonperforming loans to core capital combined with 7.3 percent from a year earlier contributes to the Fair asset quality (3.5).
Other Rating Factors:
Good current capitalization (6.3 on a scale of 0 to 10) based on a risk-based capital ratio of 16.6 and a capital leverage ratio of 8.3. Fair liquidity 4.3, driven by a liquidity ratio of 24.0 percent and a “hot money” ratio of 3.8 percent.
Asset Mix:
Securities (40%), comm loans (12%), cash (11%), comm re (9%), home mtgs (8%), 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.