BlastPoint's Banking Scorecard
Home Loan State Bank
Grand Junction, CO
2 branches across CO
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 49 in CO.
- Deposits +16.1% year over year ($215.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.93%.
- Efficiency ratio 65.59% vs a 64.48% peer average.
- Loan-to-deposit ratio 40.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Home Loan State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Net Interest Margin 0.52% below tier average
- - Efficiency Ratio 1.11% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$235.3M
+16.7% YoY
+2.1% QoQ
|
-$151.3M |
$386.6M
+1.2% YoY
|
$898.3M
+8.6% YoY
|
$6.3B
+7.7% YoY
|
34% |
| Total Loans ? |
$88.3M
+6.1% YoY
+2.5% QoQ
|
-$170.0M |
$258.3M
+1.7% YoY
|
$631.7M
+11.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.0% in tier |
| Total Deposits ? |
$215.9M
+16.1% YoY
+2.1% QoQ
|
-$110.9M |
$326.7M
+0.7% YoY
|
$762.3M
+8.8% YoY
|
$4.9B
+7.3% YoY
|
38% |
| Return on Assets ? |
0.93%
+100.5% YoY
+24.7% QoQ
|
-0.39% |
1.32%
+10.8% YoY
|
0.96%
+10.1% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
3.46%
+9.6% YoY
+9.9% QoQ
|
-0.52% |
3.99%
+5.0% YoY
|
4.06%
+4.0% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
65.59%
-20.5% YoY
-6.5% QoQ
|
+1.11% |
64.48%
-3.2% YoY
|
73.51%
-1.0% YoY
|
70.05%
+2.5% YoY
|
41% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.85%
+17.5% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
40.92%
-8.6% YoY
+0.4% QoQ
|
-37.04% |
77.95%
+1.0% YoY
|
78.96%
+0.3% YoY
|
79.03%
+2.3% YoY
|
Top 4.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.40%
+1.6% YoY
+6.7% QoQ
|
+3.37% |
22.03%
-0.6% YoY
|
23.50%
-1.8% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.49%
-10.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
17.39%
+11.0% YoY
+5.6% QoQ
|
+1.48% |
15.91%
+1.4% YoY
|
19.30%
-20.6% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.09%
-4.7% YoY
+138.4% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.55%
+12.7% YoY
|
0.66%
+5.2% YoY
|
16% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.4%
+0.4pp YoY +1.6pp QoQ |
+3.3pp | 22.1% | 23.5% | 22.2% | 67% |
| Brokered Deposits |
1.7%
+0.8pp QoQ |
-6.2pp | 7.9% | 7.4% | 8.5% | 26% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.8%
-5.5pp YoY 0.0pp QoQ |
+8.2pp | 11.6% | 8.4% | 12.5% | 88% |
| CRE | n/a | n/a | 39.5% | 42.8% | 41.4% | n/a |
| 1-4 Family |
26.7%
+1.9pp YoY +2.1pp QoQ |
-5.9pp | 32.6% | 33.0% | 31.3% | 44% |
| Consumer |
0.6%
-0.3pp YoY -0.1pp QoQ |
-3.5pp | 4.1% | 3.9% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.9%
+1.7pp YoY +0.9pp QoQ |
-3.9pp | 18.8% | 24.9% | 19.7% | 48% |
| Leverage Ratio |
7.9%
-0.8pp YoY +0.1pp QoQ |
-4.2pp | 12.2% | 12.5% | 12.6% | 2% |
| Total Capital Ratio |
18.2%
+1.3pp YoY +0.9pp QoQ |
-1.7pp | 19.9% | 26.1% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
-2 (-6.9%) YoY -2 (-6.9%) QoQ |
-32 | 58 | 107 | 482 | 22% |
| Assets per Employee ($) |
$8.7M
+25.3% YoY +9.6% QoQ |
+$1.2M | $7.5M | $7.8M | $8.8M | 77% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 7 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.7% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 12.16x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.7%
+6.3pp YoY +2.7pp QoQ |
+1.5pp | 12.2% | 9.7% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.9%
-0.1pp YoY +0.1pp QoQ |
+0.1pp | 1.7% | 1.7% | 1.7% | 61% |
| Net Income ($, YTD) |
$1.1M
+135.4% YoY — QoQ |
-$1.5M | $2.6M | $5.4M | $40.4M | 29% |
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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.