# HOME LOAN STATE BANK
GRAND JUNCTION, CO · FDIC certificate 90040 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $235.3M | |
| Deposits | $215.9M | |
| Loans and leases | $89.3M | |
| Total equity | $16.1M | |
| Loans / deposits | 40.92% (p12 of band) | 73.59% |
| Liquid assets / assets | 55.86% (p84 of band) | |
| Uninsured deposits / deposits | 29.87% (p81 of band) | 19.81% |
| Brokered deposits | 1.53% | |
| Wholesale funding | 2.46% (p62 of band) | |
| FHLB advances / assets | 0.93% | |
| Tier 1 leverage | 7.95% (p2 of band) | 11.76% |
| Unrealized securities loss / equity | -26.84% (p16 of band) | -6.57% |
| AOCI / equity | -3.81% (p3 of band) | |
| ROA (annualized) | 0.93% (p37 of band) | 1.17% |
| Net interest margin | 3.46% (p28 of band) | 3.93% |
| Efficiency ratio | 65.59% (p50 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 74% | |
| Construction % of loans | 95.29% (p93 of band) | |
| Auto loans | $62,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $1.7M (11% of equity) (p99 of band) | |
| Deposits YoY | 16.1% | |
| Employees | 27 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | brokered >10%, losing money |  |
| 2011-06 | 2 | reserve under noncurrent | losing money |
| 2011-09 | 2 | leverage <7%, capital falling | brokered >10%, reserve under noncurrent |
| 2011-12 | 0 |  | leverage <7%, capital falling |
| 2012-03 | 1 | losing money |  |
| 2012-06 | 0 |  | losing money |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 1 | capital falling | uninsured deposits leaving |
| 2013-03 | 1 | losing money | capital falling |
| 2013-06 | 1 | expense ratio p90 | losing money |
| 2013-09 | 3 | capital falling, deposits shrinking, assets shrinking | expense ratio p90 |
| 2013-12 | 2 | expense ratio p90 | capital falling, assets shrinking |
| 2014-03 | 3 | construction >100% equity, uninsured deposits leaving | expense ratio p90 |
| 2014-06 | 3 | reserve under noncurrent | deposits shrinking |
| 2014-09 | 1 |  | uninsured deposits leaving, reserve under noncurrent |
| 2014-12 | 2 | reserve under noncurrent |  |
| 2015-03 | 4 | capital falling, charge-offs p90 |  |
| 2015-06 | 4 | noncurrent p90 | charge-offs p90 |
| 2015-09 | 3 |  | capital falling |
| 2015-12 | 2 |  | noncurrent p90 |
| 2016-03 | 1 |  | construction >100% equity |
| 2016-06 | 2 | charge-offs p90 |  |
| 2016-09 | 0 |  | reserve under noncurrent, charge-offs p90 |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 | reserve under noncurrent | capital falling |
| 2017-06 | 1 |  |  |
| 2017-09 | 3 | capital falling, construction >100% equity |  |
| 2017-12 | 1 |  | reserve under noncurrent, construction >100% equity |
| 2018-03 | 2 | construction >100% equity |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | construction >100% equity |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 2 | leverage <7% |  |
| 2020-09 | 1 |  | capital falling |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | leverage <7% |
| 2022-03 | 3 | leverage <7%, AOCI drag >20% of equity, NIM <2.5% |  |
| 2022-06 | 3 | securities losses >30% of equity, construction >100% equity | leverage <7%, NIM <2.5% |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 3 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | construction >100% equity |
| 2024-03 | 2 | deposits shrinking | uninsured deposits leaving |
| 2024-06 | 4 | losing money, assets shrinking |  |
| 2024-09 | 1 |  | deposits shrinking, losing money, assets shrinking |
| 2024-12 | 3 | noncurrent p90, reserve under noncurrent |  |
| 2025-03 | 4 | construction >100% equity |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 1 |  | securities losses >30% of equity, noncurrent p90, construction >100% equity |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 3 | construction >100% equity |  |
| 2026-06 | 0 |  | reserve under noncurrent, capital falling, construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2015-07-22 [Home Loan State Bank sets Aug. 10 opening - Montrose Daily Press](https://news.google.com/rss/articles/CBMizwFBVV95cUxNbDVndHVNTVl6WVlfbVVMVHJ0TWpNR2VIMzlMUmVxZmlzY2hUMU0wQnV6MUNpVHdVVEFsY3JGUE82aU00VjlJdlppQ2ctTTlINngzRWFjbm00ZzdLeG54NjctOWVFOGRtME9NMEcybVkzTDdRTXJJbVIxeE1BMTh4eFl4UFVkT3RSTm9ORVNFWnhzS1JDdF9UQjVZdG15bTdyX0xDd09kNW9KQkt5emNKbURucnF5eTJFU3dWaDZWcjlxekZfLWl0V3p5eVJGc0U?oc=5) · Montrose Daily Press
- 2022-02-02 [Lauren Boebert continues fundraising dominance over every House candidate in Colorado - Colorado Newsline](https://news.google.com/rss/articles/CBMizwFBVV95cUxPSlhyRnFKcWJSeEFuc1VETnAwX2liZERNb3NTSEpTc3k5ZlJVQTV0dmFSTVd3T2RVUlJsZ2VKZWhNY0JCVHFsZ3hsSlRpdXI0MWRPY3p3aE1JMFFZSF9wcHdSY2xfQUpTRW9ad3dWcVZ1SERVZ1ZqVEZVX05FRjFWYUN2NXBPUHRhdEZYMWlHMFBuWG40Y2VtUl9rOTRzWWtubnpiSTFpWUpoZUJoT0xzaDBRcnFTSkxCY01pS3RVR1lOS3hSZ1ZfTElQX3dkUmc?oc=5) · Colorado Newsline
- 2021-12-31 [Lauren Boebert vows to stay her course as she seeks another term in Congress - The Colorado Sun](https://news.google.com/rss/articles/CBMie0FVX3lxTE1KWlE5TDc5dEhPZm45UU5GZ3haM3Ffa2NzS3BRTndxVXNqWG15S2t0a19aaDFoc01GalpET1lqUW5EU19jTl8xOWVSVEE4U0E2di1aRGpWYl9kZVNxMnJtcTd1aGczVkJKa0Z4Wl82UF9xbk00c2NRaE5wWQ?oc=5) · The Colorado Sun
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2019-09-12 [Suzanne Davis Obituary Sep 12, 2019 - Brown's Cremation & Funeral Service](https://news.google.com/rss/articles/CBMicEFVX3lxTE1FekpHdWFibVBTOUdudHBrb1I0UkpkN0xLZkE1QWp2ZHRua1BxS0VqZFRJdDdQVmJFYUF3MXp0NVh3bE9Dd3AwMjdJYTE3R1RENXRtUUVZdTUtdTc3U2hPTnFBRmpvZTQ3WVVJRzNhOEc?oc=5) · Brown's Cremation &amp; Funeral Service
- 2024-02-16 [Glenda Charlesworth Obituary - Grand Junction, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMikwFBVV95cUxOVC1XZXp4aHBuc2xKM1dwbUtzSEh5UmVtdUVtY0Nja3NwUXFJRG5xa2dBZ1M4cno5eFljNF9MRVl3Z2tSX0h0VHItS1BFQXM3dlRkam5Sd3lvTTlfZzFXWDBDZUNvZUV0TDk4cXlyeFpLX0lFYkJlUFM2aklNd1BVRXNxY2lEWFFZYk1QM083emFpTUU?oc=5) · Dignity Memorial
- 2022-01-01 [Boebert touts anti-vaccine mandate, pro-gun priorities in reelection campaign appearance - Colorado Newsline](https://news.google.com/rss/articles/CBMikgFBVV95cUxOeEFhTGJqSzhrNU5jUGE4X2d3dWZ5WmxjZHRWNnNRQzQ5Zm1lTHFtTzBCOWhJc2s5V0l0TDFFdzd3SVp3a2o1THBYdmZqeEtJOFlwV1JoazdDTVlqV19RNkNSLTNwWmF0bFNXTzQtaG42LThtNnYyeEdSOWxPRk1KVzlBU0RscUs4bW56WmVXVTRXZw?oc=5) · Colorado Newsline
- 2023-07-15 [SBI home loan: State Bank of India offers concession, 50-100% processing fee waiver till this date - economictimes.com](https://news.google.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?oc=5) · economictimes.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=90040 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "90040", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide