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
Unfavorable gap of $9.3M · efficiency ratio beats 72% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.63% | 0.93% | 1.20% | 1.51% | Beats 83% | 14 / 83 | |
| Return on Equity | 8.84% | 8.04% | 10.34% | 13.11% | Beats 29% | 59 / 83 | |
| Net Interest Margin | 3.86% | 3.25% | 3.62% | 4.02% | Beats 67% | 27 / 83 | |
| Efficiency Ratio | 52.36% | 51.13% | 59.95% | 67.19% | Beats 72% | 24 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.00% | 0.19% | 0.96% | Beats 49% | 43 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 51% | 42 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 18.62% | 10.94% | 13.24% | 16.62% | Beats 83% | 14 / 83 | |
| Total Risk-Based Capital Ratio | 18.62% | 11.04% | 13.54% | 17.63% | Beats 80% | 17 / 83 | |
| Equity / Assets | 18.43% | 9.90% | 11.31% | 13.84% | Beats 92% | 7 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 81.19% | 71.97% | 83.15% | 92.22% | 46th pctl | 45 / 83 | |
| Loans / Assets | 62.54% | 57.96% | 69.15% | 77.64% | 31st pctl | 57 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |