BlastPoint's Banking Scorecard
Home Loan State Bank
Micro
Specialty: Other
CO
FDIC cert 90040
Designations: ✓ Community bank
Grand Junction, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Home Loan State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.12% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$234.0M
+16.2% YoY
+12.2% QoQ
|
+$16.5M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$87.1M
+5.0% YoY
+3.2% QoQ
|
-$52.1M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$215.5M
+15.5% YoY
+13.5% QoQ
|
+$31.8M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
0.70%
+157.2% YoY
-31.6% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.40%
+6.7% YoY
-2.9% QoQ
|
-0.45% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
82.57%
+2.2% YoY
+10.1% QoQ
|
+14.84% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
1.42%
-71.4% YoY
-9.1% QoQ
|
+0.78% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
20% |
| Loan-to-Deposit Ratio ? |
40.41%
-9.0% YoY
-9.1% QoQ
|
-34.12% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.30%
+3.5% YoY
+21.6% QoQ
|
+5.90% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.53%
-74.2% YoY
-16.3% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
16.47%
+7.5% YoY
-0.8% QoQ
|
+7.61% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
78% |
| Non-Interest Income / Assets ? |
-0.11%
-154.7% YoY
-181.2% QoQ
|
-0.67% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
40.41%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Tier 1 Capital Ratio
Current: 16.47% · Tier avg: 8.85%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.30% · Tier avg: 22.39%
63
63th pctile
Total Deposits
Current: $215.5M · Tier avg: $183.7M
59
59th pctile
Total Assets
Current: $234.0M · Tier avg: $217.5M
37
37th pctile
Total Loans
Current: $87.1M · Tier avg: $139.2M
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
20
20th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.64%
17
17th pctile
Efficiency Ratio
Current: 82.57% · Tier avg: 67.73%
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.41% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.41% · Tier avg: 74.53%
17
17th pctile
Efficiency Ratio
Current: 82.57% · Tier avg: 67.73%
20
20th pctile
Delinquency Rate
Current: 1.42% · Tier avg: 0.64%
28
28th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
37
37th pctile
Total Loans
Current: $87.1M · Tier avg: $139.2M
59
59th pctile
Total Assets
Current: $234.0M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $215.5M · Tier avg: $183.7M
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 28.30% · Tier avg: 22.39%
78
78th pctile
Tier 1 Capital Ratio
Current: 16.47% · Tier avg: 8.85%