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Homestead Bank

Cozad, NE · Cert 11482 · C S B Co.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in NE3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in NE (n=83). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

85

Q2 2024Q2 2026peer median (50)

Asset Quality

50

Q2 2024Q2 2026peer median (50)

Profitability

60

Q2 2024Q2 2026peer median (50)

Liquidity

93

Q2 2024Q2 2026peer median

Efficiency

72

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Homestead Bank

Cozad, NE · Cert 11482 · C S B Co.

State charter, non-member · FDIC · 10 branches

Q2 2026

$537.0MAssets
$335.8MLoans
$413.6MDeposits
$99.0MEquity
Loan mix
85%RE $169.8M12%C&I $23.4M4%Consumer $7.4MQ3 2024Q2 2026
Deposit mix
78%Interest-bearing $323.7M22%Noninterest $89.9MQ3 2024Q2 2026

Market Position · Grand Island, NE · 2026 SOD (annual) · 1.0% share · #18 of 22 inst. · $0.0B of $3.6B

7.5% Dawson
22.5% Colfax
23.3% Dawes
27.2% Brown

Executive Summary

  • Earnings: ROA of 1.65%, up 12 bps year over year; NIM at 3.86%.
  • Asset quality: problem loans at 0.20% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 18.62%, up 102 bps from a year ago.
  • Funding: loans stand at 81.19% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.65%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.86%+18 bps YoY

Efficiency Ratio (YTD, annualized)

52.36%-71 bps YoY

Tier 1 Leverage Ratio

18.62%+102 bps YoY

NIM

4.77%Q2 ’244.98%Q2 ’255.02%Q2 ’26+14%+5%

Non-interest income vs. expense

2.26%Q2 ’242.24%Q2 ’252.29%Q2 ’26-1%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.21%1.30%1.49%1.53%1.52%1.59%1.70%1.65%+12 bps
Return on Equity7.80%8.30%9.00%9.07%8.90%9.15%9.33%9.03%-4 bps
Net Interest Margin3.29%3.30%3.62%3.68%3.72%3.70%3.85%3.86%+18 bps
Efficiency Ratio60.66%58.52%53.82%53.07%53.45%52.86%50.34%52.36%-71 bps
Non-Interest Burden1.75%1.68%1.66%1.67%1.72%1.68%1.66%1.75%+8 bps
Growth
Asset Growth (YoY)1.53%-0.82%3.57%2.69%2.32%2.61%2.86%4.76%+207 bps
Loan Growth (YoY)5.81%7.94%6.28%4.21%2.76%4.57%1.06%-1.91%-612 bps
Deposit Growth (YoY)7.78%7.54%7.24%4.94%1.09%1.12%1.93%4.33%-61 bps
Asset Quality
Nonperforming Loans / Loans0.14%0.68%2.09%0.23%0.32%0.27%0.35%0.20%-3 bps
Net Charge-Offs / Loans0.00%0.01%0.00%0.00%-0.01%-0.01%0.00%0.00%0 bps
Allowance / Loans1.14%1.03%1.10%1.13%1.19%1.07%1.16%1.22%+9 bps
Allowance Coverage of NPLs8.3x1.5x0.5x4.9x3.7x4.0x3.4x6.1x+1.2x
Capital
Tier 1 Leverage Ratio16.98%16.92%17.13%17.60%18.04%17.95%18.19%18.62%+102 bps
Total Risk-Based Capital16.98%16.92%17.13%17.60%18.04%17.95%18.19%18.62%+102 bps
Equity / Assets16.39%16.38%16.76%17.39%17.94%18.19%18.25%18.43%+104 bps
Liquidity & Funding
Loans / Deposits83.42%89.99%86.10%86.36%84.80%93.06%85.36%81.19%-517 bps
Liquid Assets / Assets2.16%0.68%3.84%2.91%5.21%0.65%6.49%9.73%+682 bps
CRE / Total Capitaln/an/an/an/a29.26%28.95%24.87%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Homestead Bank

Cozad, NE · Cert 11482 · Peer group: banks under $1B in assets in NE (n=83) · C S B Co.

State charter, non-member · FDIC · 10 branches

Q2 2026

$537.0MAssets
$335.8MLoans
$413.6MDeposits
$99.0MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 92% of banks under $1B in assets in NE (rank 7 of 83).
  • Widest gap: return on equity trails 71% of banks under $1B in assets in NE (rank 59 of 83).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.63%

Rank 14 of 83

Net Interest Margin

3.86%

Rank 27 of 83

Efficiency Ratio

52.36%

Rank 24 of 83

Equity / Assets

18.43%

Rank 7 of 83

Non-interest income vs. expense

$2.9M$12.2MINCOMEEXPENSE
Unfavorable gap of $9.3M · efficiency ratio beats 72% of banks under $1B in assets in NE
Bank 52.36%Peer median 60.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.63%0.93%1.20%1.51%Beats 83%14 / 83
Return on Equity8.84%8.04%10.34%13.11%Beats 29%59 / 83
Net Interest Margin3.86%3.25%3.62%4.02%Beats 67%27 / 83
Efficiency Ratio52.36%51.13%59.95%67.19%Beats 72%24 / 83
Asset Quality
Nonperforming Loans / Loans0.20%0.00%0.19%0.96%Beats 49%43 / 83
Net Charge-Offs / Loans0.00%n/a0.00%0.02%Beats 51%42 / 83
Capital
Tier 1 Capital Ratio18.62%10.94%13.24%16.62%Beats 83%14 / 83
Total Risk-Based Capital Ratio18.62%11.04%13.54%17.63%Beats 80%17 / 83
Equity / Assets18.43%9.90%11.31%13.84%Beats 92%7 / 83
Liquidity & Funding
Loans / Deposits81.19%71.97%83.15%92.22%46th pctl45 / 83
Loans / Assets62.54%57.96%69.15%77.64%31st pctl57 / 83
Brokered Deposits / Depositsn/aNot reported for this institution