Fees from its schedule are under review and appear here once review is done.
Know where its fee schedule is? Send the link
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
3rd percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the U.S. median
Too few fees
Fewer than 5 verified fees on file
Fee schedule read Oct 22, 2026
Call-report figures are for Home Loan State Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the U.S. median | Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Home Loan State Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 22, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.2% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (3rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $5K in Q2 2026, 25% above the same quarter a year earlier ($4K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
Call reports for Home Loan State Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $5K | $0 | 0.0% |
| Q1 2026 | $5K | $0 | 0.0% |
| Q4 2025 | $5K | +$1K | +25.0% |
| Q3 2025 | $4K | $0 | 0.0% |
| Q2 2025 | $4K | −$1K | −20.0% |
| Q1 2025 | $5K | $0 | 0.0% |
| Q4 2024 | $5K | +$2K | +66.7% |
| Q3 2024 | $3K | −$1K | −25.0% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Home Loan State Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Home Loan State Bank by share.
They stay out of every comparison until review is done.
per item
one time · Discount applied upon account opening on optional first box of checks ordered through Home Loan State Bank
per year · Free for first year, $7.00 annual fee applies after first year
per year · FREE for the first year, fee applies after the first year per debit card
per month
per month
per item
per month · Applies when average monthly balance is less than $500.00 and account holder does not have one or more additional Home Loan State Bank personal deposit accounts
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Overdraft & NSFUnder review | |||
| Overdraft Fee (audience not stated, treated as personal) | $10 | per item | None |
Other feesUnder review | |||
| 2nd Day Fee (audience not stated, treated as personal) | $9.95 | Not stated | None |
| Check box discount (audience not stated, treated as personal) | -$10 | one time | Discount applied upon account opening on optional first box of checks ordered through Home Loan State Bank |
| Debit card annual fee (audience not stated, treated as personal) | $7 | per year | Free for first year, $7.00 annual fee applies after first year |
| Debit card annual fee (audience not stated, treated as personal) | $7 | per year | FREE for the first year, fee applies after the first year per debit card |
| HSA is less than , a (audience not stated, treated as personal) | $2 | per month | None |
| If the average monthly balance on an HSA is less than , a (audience not stated, treated as personal) | $2 | per month | None |
| Loan State Bank by telephone or mail as shown below and request a copy of your statement at a charge of (audience not stated, treated as personal) | $2 | Not stated | None |
| Manual employer deposit fee (audience not stated, treated as personal) | $10 | per item | None |
| Manual employer deposit fee (per pay period) (audience not stated, treated as personal) | $10 | Not stated | None |
| Monthly maintenance fee (audience not stated, treated as personal) | $2 | per month | Applies when average monthly balance is less than $500.00 and account holder does not have one or more additional Home Loan State Bank personal deposit accounts |
| Overdraft Fee (audience not stated, treated as personal) | $10 | per item | None |
| Overnight Fee (audience not stated, treated as personal) | $14.95 | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 22, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Home Loan State Bank operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state, $215.9M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $132.3M | |
| Outside a metro area | 1 | $83.6M |
Grand Junction, CO
3.5% of bank deposits, #9 of 12, up 0.7 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Alpine Bank | 20.7% |
| Wells Fargo Bank, National Association | 19.5% |
| Timberline Bank | 11.4% |
| Grand Valley Bank | 9.7% |
| U.S. Bank National Association | 9.4% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Grand Junction, CO, Home Loan State Bank holds 3.5% of bank deposits, #9 of 12, with 1 office.
45 offices of 19 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 12 institutions shown. $3.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 3.5% share, 1 office, #9 of 12
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
12 offices of 7 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Fee change alerts
Once when its schedule is verified, then when a verified fee changes.
See what a free sample Competitive Fee Position Report shows