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BankSonar

Home Loan State Bank

Grand Junction, CO · State, non-member commercial bank

53

Sonar Score

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out of 100 · from public FDIC data

Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.

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Key figures

Total assets
$230.5M
Total deposits
$211.4M
Branches
2
Return on assets
0.75%
Return on equity
10.99%
Charter type
State, non-member commercial bank
Established
1960
FDIC cert #
90040

How the 53 breaks down

Capital adequacyweight 40%

Capital ratio not reported.

Profitability (ROA)weight 30%

Modest but positive returns.

Return on equityweight 15%

Efficient use of shareholder capital.

Scale & stabilityweight 15%

Community-scale institution.

Read the full Sonar Score methodology →

Your deposits at Home Loan State Bank

Home Loan State Bank is an FDIC-insured institution (Cert #90040). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →

2 branch locations

205 N 4th St

Grand Junction, CO 81501

1440 Encanto Place

Montrose, CO 81401

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