Home Loan State Bank
Grand Junction, CO · Cert 90040 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 2 branches
Q2 2026
$235.3MAssets
$89.3MLoans
$215.9MDeposits
$16.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 81 of 581).
- Widest gap: equity / assets trails 95% of banks under $1B in assets (rank 599 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.93%
Rank 358 of 629
Net Interest Margin
3.07%
Rank 460 of 629
Efficiency Ratio
65.59%
Rank 273 of 629
Equity / Assets
6.86%
Rank 599 of 629
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 57% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.93% | 0.60% | 1.01% | 1.45% | Beats 43% | 358 / 629 | |
| Return on Equity | 13.51% | 5.38% | 9.30% | 13.28% | Beats 77% | 147 / 629 | |
| Net Interest Margin | 3.07% | 3.03% | 3.54% | 4.05% | Beats 27% | 460 / 629 | |
| Efficiency Ratio | 65.59% | 58.35% | 67.79% | 79.08% | Beats 57% | 273 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 158 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 17.39% | 11.24% | 13.84% | 18.77% | Beats 71% | 183 / 629 | |
| Total Risk-Based Capital Ratio | 18.23% | 11.58% | 14.43% | 19.66% | Beats 71% | 184 / 629 | |
| Equity / Assets | 6.86% | 9.09% | 10.65% | 13.80% | Beats 5% | 599 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 41.35% | 67.24% | 80.90% | 93.48% | 6th pctl | 556 / 594 | |
| Loans / Assets | 37.94% | 53.31% | 67.71% | 78.15% | 14th pctl | 542 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |