Home Federal Savings and Loan Association of Grand Island
Grand Island, NE · Cert 29476 · Peer group: banks under $1B in assets (n=573-620) · Central Plains Bancshares Inc.
State savings bank · OCC · 8 branches
Q2 2026
$562.9MAssets
$447.7MLoans
$482.1MDeposits
$72.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 71% of banks under $1B in assets (rank 181 of 620).
- Widest gap: return on equity trails 62% of banks under $1B in assets (rank 385 of 620).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
0.99%
Rank 313 of 620
Net Interest Margin
3.51%
Rank 316 of 620
Efficiency Ratio
66.75%
Rank 287 of 620
Equity / Assets
12.89%
Rank 181 of 620
Non-interest income vs. expense
Unfavorable gap of $12.1M · efficiency ratio beats 54% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.60% | 1.00% | 1.45% | Beats 50% | 313 / 620 | |
| Return on Equity | 7.69% | 5.30% | 9.30% | 13.29% | Beats 38% | 385 / 620 | |
| Net Interest Margin | 3.51% | 3.02% | 3.53% | 4.04% | Beats 49% | 316 / 620 | |
| Efficiency Ratio | 66.75% | 58.35% | 68.08% | 79.37% | Beats 54% | 287 / 620 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.47% | 1.27% | Beats 66% | 194 / 573 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 60% | 232 / 573 | |
| Capital |
| Tier 1 Capital Ratio | 16.38% | 11.27% | 13.87% | 18.78% | Beats 66% | 210 / 620 | |
| Total Risk-Based Capital Ratio | 17.63% | 11.69% | 14.57% | 19.67% | Beats 69% | 194 / 620 | |
| Equity / Assets | 12.89% | 9.03% | 10.60% | 13.73% | Beats 71% | 181 / 620 | |
| Liquidity & Funding |
| Loans / Deposits | 92.88% | 65.08% | 79.69% | 92.47% | 76th pctl | 143 / 585 | |
| Loans / Assets | 79.55% | 51.85% | 67.17% | 77.86% | 82nd pctl | 111 / 620 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |