Home Loan State Bank: how it compares with its peers
Against 33 CO banks with half to twice its assets, Home Loan State Bank's strongest measure in Q2 2026 is assets per employee ($8.7M vs. a $7.3M peer median). Its weakest relative measure is net interest margin (3.46% vs. 4.13%).
| Measure | Home Loan State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.93% | 1.13% | Bottom third Ahead of 33% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.46% | 4.13% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 65.59% | 67.83% | Middle third Ahead of 55% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.7M | $7.3M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 40.92% | 86.51% | Context |
What it means for lending operations
Its efficiency ratio of 65.59% is better than the 67.83% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Citizens State Bank of Ouray Ouray, CO · $231M
- First Pioneer National Bank Wray, CO · $243M
- The First National Bank in Trinidad Trinidad, CO · $251M
- The Gunnison Bank and Trust Company Gunnison, CO · $255M
- Community State Bank Lamar, CO · $208M
- Verus Bank of Commerce Fort Collins, CO · $202M
Questions about Home Loan State Bank
How big is Home Loan State Bank?
Home Loan State Bank, established in 1960, is headquartered in Grand Junction, CO. It reported $235M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Home Loan State Bank's return on assets?
0.93% annualized in Q2 2026, against a 1.13% median for 33 CO banks with half to twice its assets, ahead of 33% of them.
What is Home Loan State Bank's efficiency ratio?
65.59% in Q2 2026: it spent about 66 cents in noninterest expense for each dollar of revenue. The peer median is 67.83%, and lower is better.
Is Home Loan State Bank growing its loans?
Net loans grew 6.1% over the year to Q2 2026, while deposits grew 16.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Colorado bank ranked.