Bank · FDIC insured
Home Loan State Bank
A $235.3M bank headquartered in Grand Junction, CO, with 2 branches in Colorado. Best rates: CDs 1.46% and savings 0.34% APY.
Home Loan State Bank Carrot Score
62
Carrot Score
Higher than 6% of U.S. banks and credit unions
#14 of 14 in Grand Junction, CO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Home Loan State Bank
Home Loan State Bank is a locally owned and operated community bank on Colorado's Western Slope, with branches in Grand Junction and Montrose.
The bank serves Mesa County, Fruita, Palisade, and Delta.
- Headquarters
- 205 N 4th St, Grand Junction, CO 81501
- FDIC certificate
- 90040 ↗
Branches
2 branches in Colorado
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Colorado
2 branches
Grand Junction area · 1
- Home Loan State BankMain office205 N 4th St, Grand Junction, CO 81501Directions
Montrose area · 1
- Montrose Branch1440 Encanto Place, Montrose, CO 81401Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 7.95% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.00% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.93% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $41 | $81 | — |
- CapitalLeverage ratio7.95%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.00%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.93%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$41Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Home Loan State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.