Our History

For 64 years, Home State Bank has served the financial needs of Larimer County with a complete menu of banking services and excellent customer service. We continue to demonstrate the value and responsiveness that only an independent, locally owned bank can offer.
We are the largest locally owned bank in Larimer County, with over $699 million in assets and over 200 employees.

Home State Bank is a strong and resourceful business partner. For our retail customers we provide convenient branches and ATMs throughout Fort Collins, Loveland, Berthoud, Windsor, Longmont & Lafayette. Yet we're small enough to give you genuine hometown friendly service. This is just what you'd expect from Northern Colorado's most popular local bank.


A Dedicated Member of The Community

Home State Bank is proud to support many non-profit organizations with funding for projects that help improve the quality of living in our community. We also encourage our employees to provide leadership and assistance to worthwhile organizations in our community by serving on committees and boards during working hours.
Home State Bank has come a long way to be Larimer County's most popular local bank. Please read on and trace the history of Home State Bank.


Seven employees and seven directors open the doors of Home State Bank on April 1 at the corner of Lincoln Avenue and 4th Street in downtown Loveland, thanks to the efforts of several local farmers, business men and private individuals who felt another bank would be a benefit to the growing community of Loveland, Colorado. The goal of this group was to have a locally owned, independent bank that would serve the community and surrounding area. Bank assets totaled $478,807, all accounts were posted manually, and FDIC insured deposits up to $5,000.


With assets totaling nearly $7 million dollars, Home State Bank moves to a new building at 541 Lincoln Avenue and proudly introduces a new concept in banking -- drive up banking. Three drive-up windows quickly became a popular way to bank.


All accounts are assigned an account number, paving the way for automation.


Jack Devereaux arrives in Loveland and purchases Home State Bank, pledging to keep it a locally owned and independent bank that will serve the community and surrounding area.


Recognizing the need for another bank with branch banking not yet permitted, Jack Devereaux,  Home State Bank officers and local businessmen, apply for and receive a charter for American Bank. The building is erected in the middle of a cornfield in north Loveland.


Another first - the first automatic teller machine (ATM) is installed.


Growth mandates another move to the very modern and contemporary building at 935 N. Cleveland in Loveland. This beautiful structure features 6 drive-up windows, an ATM machine and an inside water feature in the lobby! With assets totaling $32 million. Home State now has fifty-four employees and 8 officers providing exceptional customer service. A teller facility is maintained at 541 Lincoln Avenue for the convenience of downtown customers.


The first off-site ATM machine is installed on East Eisenhower Blvd. in Loveland.


Home State Bank receives the Independent Bankers of Colorado Crown Award for outstanding community service and earns Veribanc’s top rating, the Blue Ribbon Award for safety and soundness. Bauer Financial Services awards Home State their highest bank rating-five stars.


Home State Bank opens a new branch in May at  1355 E. Eisenhower in Loveland emphasizing one stop shopping-get your bread and your "dough" all in one location! Another branch of Home State Bank opens in December in Old Town Fort Collins at 303 E. Mountain Avenue, our first branch in Fort Collins. Assets total $115 million and there are now 4 branches of Home State Bank.


Another new feature, Online banking is introduced. Virtually another branch, customers can access their accounts anytime and anywhere with their computers!


Home State Bank expands once more with our Timberline branch located in Southeast Fort Collins at Timberline and Vermont, near Fort Collins High School.



After existing as sister banks for 28 years, Home State Bank and American Bank consolidate into one bank in October. Now with six branches located in different quadrants of Loveland and Fort Collins, customer convenience takes another leap!  A new logo is developed and our tagline is introduced.       “Think Big. Bank Small.”


With six branches, numerous ATM machines, and online banking, Home State Bank remains a community bank, locally owned and managed. As Larimer County continues to grow, so does our bank. Plans are announced in late summer to add additional branches in northern Colorado over the next few years.


Two more branches open!  Our Raintree branch at 2337 South Shields opens next door to the Fort Collins Senior Center in the spring after a temporary stay in the Raintree Shopping Center.  Fort Collins is now home to three Home State Bank locations. 
Summer 2006 brings an opportunity for another branch opening and this time in a building filled with financial history!  After extensive remodeling, our newest branch opens in the “sun spot of Northern Colorado”, Berthoud.  This branch at 310 Mountain Avenue has a beautiful, updated look while incorporating some important “memory lane” features such as the old vault that reminds us of early banking years!


Continuing to expand our market area, our 9th branch opens in the spring of 2007 at Highway 392 and I-25.  Our new Windsor location in the Ptarmigan Business Park on the north side of Highway 392. We are excited  to provide even more convenience for our valued customers in Larimer and Weld Counties along the Front Range of Colorado.   We also have 13 ATM locations to serve you. 


Northern Colorado mourns the passing of longtime owner of Home State Bank and community leader  Jack Devereaux. He will be remembered for his dedication and support to the community and his relationships with all the employees and customers he helped in his 35 years at the helm of Home State Bank. Mr. Devereaux was affiliated through the years with United Way, McKee Hospital Foundation, the Community Foundation and was recipient of many community awards. Management of the bank continues with sons Harry Devereaux, President, and Jack Devereaux Jr., Chairman of the Board,  who both hold true to the values of their father as well as his approachable leadership style.


Home State Bank celebrates 60 years in the Northern Colorado market. Under the capable leadership of the Devereaux brothers, Harry and Jack Jr., they uphold the same message voiced by their father in 1970 when he purchased Home State. "It shall remain an independent locally owned bank that will serve the communities and the surrounding area!" Thank you for banking with us!


For sixty years, Home State Bank has been serving Northern Colorado. On September 15th, 2011 we dipped our toes for the first time into Boulder County. Home State's tenth branch at 636 Coffman in Longmont opened for business inside the Roosevelt Place Building.



An additional branch was added at 565 W. South Boulder Road in Lafayette. We are pleased to be taking our philosophy of Community Banking to Boulder County.


We remain committed to our mission statement:

To build lasting, mutually beneficial relationships between staff, customers and community by delivering sound financial solutions and exceptional customer service.