Home Federal Savings and Loan Association of Grand Island
Grand Island, NE · Cert 29476 · Peer group: banks under $1B in assets (n=570-617) · 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 617).
- Widest gap: return on equity trails 64% of banks under $1B in assets (rank 392 of 617).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
0.99%
Rank 317 of 617
Net Interest Margin
3.51%
Rank 322 of 617
Efficiency Ratio
66.75%
Rank 290 of 617
Equity / Assets
12.89%
Rank 181 of 617
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 49% | 317 / 617 | | |
| Return on Equity | 7.69% | 5.30% | 9.43% | 13.30% | Beats 36% | 392 / 617 | | |
| Net Interest Margin | 3.51% | 3.04% | 3.54% | 4.05% | Beats 48% | 322 / 617 | | |
| Efficiency Ratio | 66.75% | 58.03% | 67.76% | 79.08% | Beats 53% | 290 / 617 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.48% | 1.27% | Beats 66% | 192 / 570 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 60% | 233 / 570 | | |
| Capital |
| Tier 1 Capital Ratio | 16.38% | 11.18% | 13.83% | 18.55% | Beats 67% | 206 / 617 | | |
| Total Risk-Based Capital Ratio | 17.63% | 11.56% | 14.39% | 19.39% | Beats 69% | 189 / 617 | | |
| Equity / Assets | 12.89% | 9.03% | 10.55% | 13.63% | Beats 71% | 181 / 617 | | |
| Liquidity & Funding |
| Loans / Deposits | 92.88% | 64.77% | 79.70% | 93.06% | 75th pctl | 147 / 582 | | |
| Loans / Assets | 79.55% | 51.70% | 67.18% | 77.51% | 82nd pctl | 111 / 617 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |