This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Bank
Grand Junction, CO
Health score
69.7
Total assets
$235.3M
Bank
Ouray, CO
Health score
72.0
Total assets
$231.2M
Answer first
Home Loan State Bank leads on profitability and lending quality and growth; The Citizens State Bank of Ouray leads on financial health and capitalization. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
The Citizens State Bank of Ouray
Higher TFS health score
Capitalization
The Citizens State Bank of Ouray
Higher comparable capital ratio
Profitability
Home Loan State Bank
Higher return on assets
Lending quality
Home Loan State Bank
Lower problem-loan measure
Growth
Home Loan State Bank
Higher year-over-year asset growth
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | Home Loan State Bank | The Citizens State Bank of Ouray |
|---|---|---|
| TFS health score | 69.7/100 | 72.0/100Leads |
| Total assets | $235.3M | $231.2M |
| Total deposits / shares | $215.9M | $212.3M |
| Tier 1 capital ratio | 7.95% | 8.40%Leads |
| Return on assets | 0.93%Leads | 0.58% |
| Return on equity | 13.68%Leads |
Home Loan State Bank
2 branches
The Citizens State Bank of Ouray
7 branches
Both institutions report branches in 1 state: CO.
Home Loan State Bank
Unavailable
The Citizens State Bank of Ouray
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
Home Loan State Bank
0 in TFS registry
The Citizens State Bank of Ouray
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | Home Loan State Bank score | Home Loan State Bank ROA | The Citizens State Bank of Ouray score | The Citizens State Bank of Ouray ROA |
|---|---|---|---|---|
| 2024-Q3 | — | 0.43% | — | 0.09% |
| 2024-Q4 | — | 0.27% | — | 0.10% |
| 2025-Q1 | — | 0.46% | — | 0.43% |
| 2025-Q2 | — | 0.47% | — | 0.44% |
| 2025-Q3 | — | 1.03% | — | 0.49% |
| 2025-Q4 | — | 0.70% | — | 0.67% |
| 2026-Q1 | 61.8/100 |
Keep watching
Get access to your dashboard watchlist and future financial-grade alerts.
Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Arbitrary comparison pairs are available dynamically but remain noindex unless curated for data completeness and user value.
| 8.21% |
| Non-performing loans | 0.00%Leads | 0.00% |
| Net charge-offs | 0.00%Leads | 0.04% |
| Efficiency ratio | 65.59%Leads | 83.11% |
| Loan-to-deposit ratio | 40.92% | 70.83% |
| Asset growth (YoY) | 16.69%Leads | 6.22% |
| Deposit / share growth (YoY) | 16.13%Leads | 5.67% |
| Branches | 2 | 7 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |
| 0.75% |
| 73.5/100 |
| 0.58% |
| 2026-Q2 | 69.7/100 | 0.93% | 72.0/100 | 0.58% |