HOME LOAN STATE BANK

GRAND JUNCTION, CO · Supervised by FDIC

Est. 1960FDIC #90,040RSSD: FDIC-90040

Satisfactory Same

Current rating · Exam: September 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.75%

Is this bank safe?

HOME LOAN STATE BANK holds a Satisfactory CRA rating (2025), meets basic financial requirements (ROA +0.75%).

Institution Profile

FDIC BankFind

Website

www.hlsb.com

Address

205 N 4th St, GRAND JUNCTION, CO

County

Mesa County

Established

December 16, 1960

Total Assets

$230M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2025

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Sep 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$230M

Total Deposits

$211M

Net Loans

$86M

Net Income

$435K

ROA

0.75%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.99%

Risk-Based Capital

17.29%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.75%Peer avg: 0.44%▲ Above avg

Risk-Based Capital17.29%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate4.10%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$186M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	195	93.33%	4.10%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2025	Satisfactory	Small Bank
Oct 2019	Satisfactory	Small Bank
Dec 2013	Satisfactory	Small Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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