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Home Loan State Bank

Grand Junction, CO · Cert 90040

State charter, non-member · FDIC · 2 branches

Q2 2026

$235.3MAssets
$89.3MLoans
$215.9MDeposits
$16.1MEquity
Loan mix
79%RE $65.1M21%C&I $17.0M1%Consumer $0.6MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $161.0M25%Noninterest $54.8MQ2 2025Q2 2026

NIM

4.86%Q2 ’244.66%Q2 ’255.06%Q2 ’26-8%+14%

Non-interest income vs. expense

2.88%Q2 ’242.59%Q2 ’252.21%Q2 ’26-11%-17%

Market Position · Grand Junction, CO · 2026 SOD (annual) · 3.5% share · #9 of 12 inst. · $0.1B of $3.8B

3.5% Mesa
6.0% Montrose

Executive Summary

  • Earnings: ROA of 1.13%, up 65 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.00% of loans (-485 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 7.95%, down 79 bps from a year ago.
  • Funding: loans stand at 41.35% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.13%+65 bps YoY

Net Interest Margin (quarter, annualized)

3.36%+42 bps YoY

Efficiency Ratio (quarter, annualized)

61.85%-2,083 bps YoY

Tier 1 Leverage Ratio

7.95%-79 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.47%2.12%-0.16%0.75%1.13%+65 bps
Return on Equity7.26%30.70%-2.33%10.99%16.33%+906 bps
Net Interest Margin2.94%3.70%3.01%2.86%3.36%+42 bps
Efficiency Ratio82.68%63.75%116.29%70.15%61.85%-2,083 bps
Non-Interest Burden2.39%2.31%3.35%1.96%2.00%-40 bps
Growth
Asset Growth (YoY)6.10%3.20%16.16%19.48%16.69%+1,060 bps
Loan Growth (YoY)0.46%-0.62%4.13%8.93%5.22%+476 bps
Deposit Growth (YoY)6.09%2.42%15.45%19.35%16.13%+1,004 bps
Asset Quality
Nonperforming Loans / Loans4.85%1.54%1.40%1.24%0.00%-485 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.89%1.10%1.06%1.07%1.05%-84 bps
Allowance Coverage of NPLs0.4x0.7x0.8x0.9xn/an/a
Capital
Tier 1 Leverage Ratio8.74%8.71%8.35%7.89%7.95%-79 bps
Total Risk-Based Capital16.93%17.43%17.30%17.29%18.23%+130 bps
Equity / Assets6.36%7.43%6.72%6.92%6.86%+50 bps
Liquidity & Funding
Loans / Deposits45.64%44.92%40.84%41.19%41.35%-429 bps
Liquid Assets / Assets7.27%9.19%18.57%16.32%16.96%+969 bps
CRE / Total Capitaln/a187.31%198.17%209%n/an/a