Home Loan State Bank is a bank based in Grand Junction, Colorado, established in 1960, with $230 million in total assets across 2 branches. By Trust Grade it ranks 58th of 64 banks we track in Colorado. Its capital ratio of 6.9% trails most similarly sized banks (7th percentile), versus a Colorado median of 10.8%. It was profitable over the most recent period, with a 0.75% return on assets. No consumer complaints against Home Loan State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Home Loan State Bank compares to Colorado peers
How we graded Home Loan State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (6.9% capital ratio)
- Profitable (ROA 0.75%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Home Loan State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 205 N 4th St, Grand Junction, CO 81501
- 1440 Encanto Place, Montrose, CO 81401
Are deposits at Home Loan State Bank insured?
Yes. Home Loan State Bank is an FDIC-insured bank (FDIC certificate #90040). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Home Loan State Bank: frequently asked questions
Is Home Loan State Bank a good bank?
Home Loan State Bank earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (6.9% capital ratio); Profitable (ROA 0.75%).
Is Home Loan State Bank FDIC-insured?
Yes. Home Loan State Bank is a FDIC-insured bank (FDIC certificate #90040). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Home Loan State Bank?
Home Loan State Bank holds $230 million in total assets, ranking 58th of 64 banks we track in Colorado. It operates 2 branches.
Does Home Loan State Bank have CFPB complaints?
No CFPB complaints against Home Loan State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
