Home Federal Savings and Loan Association of Grand Island
Grand Island, NE · Cert 29476 · Peer group: banks under $1B in assets (n=581-629) · 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 70% of banks under $1B in assets (rank 188 of 629).
- Widest gap: return on equity trails 63% of banks under $1B in assets (rank 394 of 629).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.99%
Rank 324 of 629
Net Interest Margin
3.51%
Rank 324 of 629
Efficiency Ratio
66.75%
Rank 296 of 629
Equity / Assets
12.89%
Rank 188 of 629
Non-interest income vs. expense
Unfavorable gap of $12.1M · efficiency ratio beats 53% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.99% | 0.60% | 1.01% | 1.45% | Beats 48% | 324 / 629 | | |
| Return on Equity | 7.69% | 5.38% | 9.30% | 13.28% | Beats 37% | 394 / 629 | | |
| Net Interest Margin | 3.51% | 3.03% | 3.54% | 4.05% | Beats 48% | 324 / 629 | | |
| Efficiency Ratio | 66.75% | 58.35% | 67.79% | 79.08% | Beats 53% | 296 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.46% | 1.20% | Beats 66% | 201 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 61% | 231 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 16.38% | 11.24% | 13.84% | 18.77% | Beats 67% | 209 / 629 | | |
| Total Risk-Based Capital Ratio | 17.63% | 11.58% | 14.43% | 19.66% | Beats 69% | 193 / 629 | | |
| Equity / Assets | 12.89% | 9.09% | 10.65% | 13.80% | Beats 70% | 188 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.88% | 67.24% | 80.90% | 93.48% | 74th pctl | 154 / 594 | | |
| Loans / Assets | 79.55% | 53.31% | 67.71% | 78.15% | 81st pctl | 121 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |