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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