BlastPoint's Banking Scorecard
Home Loan State Bank
Grand Junction, CO
2 branches across CO
Home Loan State Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Net Interest Margin 0.78% below tier average
- - Efficiency Ratio 4.86% above tier average
- - Delinquency Rate 0.36% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$230.5M
+19.5% YoY
-1.5% QoQ
|
-$155.6M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
33% |
| Total Loans ? |
$86.1M
+10.0% YoY
-1.1% QoQ
|
-$169.6M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.2% in tier |
| Total Deposits ? |
$211.4M
+19.3% YoY
-1.9% QoQ
|
-$116.6M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
0.75%
+61.3% YoY
+6.7% QoQ
|
-0.52% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.15%
+1.7% YoY
-7.4% QoQ
|
-0.78% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
70.15%
-14.8% YoY
-15.0% QoQ
|
+4.86% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
1.25%
-76.2% YoY
-11.7% QoQ
|
+0.36% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
40.74%
-7.9% YoY
+0.8% QoQ
|
-35.89% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Top 4.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.82%
-1.1% YoY
-15.8% QoQ
|
+1.80% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.47%
-78.1% YoY
-11.3% QoQ
|
-0.17% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
16.47%
+3.2% YoY
-0.0% QoQ
|
+0.64% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.04%
-23.9% YoY
+137.1% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
Bottom 13.0% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.