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Home Federal Savings and Loan Association of Grand Island

Grand Island, NE · Cert 29476 · Central Plains Bancshares Inc.

State savings bank · OCC · 8 branches

Q2 2026

$562.9MAssets
$447.7MLoans
$482.1MDeposits
$72.5MEquity
Loan mix
86%RE $363.0M11%C&I $48.4M2%Consumer $9.9MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $399.5M17%Noninterest $82.5MQ2 2025Q2 2026

NIM

4.92%Q2 ’245.16%Q2 ’255.29%Q2 ’26+6%+2%

Non-interest income vs. expense

2.86%Q2 ’242.90%Q2 ’252.69%Q2 ’26+2%-6%

Market Position · Grand Island, NE · 2026 SOD (annual) · 10.2% share · #3 of 22 inst. · $0.4B of $3.6B

11.7% Hall
2.5% Adams
5.3% Phelps
1.6% Dawson

Executive Summary

  • Earnings: ROA of 1.01%, up 12 bps year over year; NIM at 3.51%.
  • Asset quality: problem loans at 0.19% of loans (+4 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.38%, down 38 bps from a year ago.
  • Funding: loans stand at 92.88% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.01%+12 bps YoY

Net Interest Margin (YTD, annualized)

3.51%+6 bps YoY

Efficiency Ratio (YTD, annualized)

65.91%-520 bps YoY

Tier 1 Leverage Ratio

13.38%-38 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.89%0.90%0.95%0.76%1.01%+12 bps
Return on Equity6.87%6.91%7.30%5.88%7.85%+98 bps
Net Interest Margin3.45%3.51%3.49%3.43%3.51%+6 bps
Efficiency Ratio71.10%71.32%70.62%69.10%65.91%-520 bps
Non-Interest Burden2.31%2.36%2.32%2.24%2.17%-14 bps
Growth
Asset Growth (YoY)7.38%5.82%10.66%9.81%12.37%+499 bps
Loan Growth (YoY)6.08%5.82%6.26%11.47%8.35%+228 bps
Deposit Growth (YoY)5.84%3.81%10.87%9.99%15.44%+960 bps
Asset Quality
Nonperforming Loans / Loans0.15%0.12%0.07%0.42%0.19%+4 bps
Net Charge-Offs / Loans0.30%0.20%0.13%0.00%-0.01%-31 bps
Allowance / Loans1.32%1.31%1.30%1.30%1.32%0 bps
Allowance Coverage of NPLs8.6x11.1x17.5x3.1x6.9x-1.6x
Capital
Tier 1 Leverage Ratio13.76%14.05%13.96%13.45%13.38%-38 bps
Total Risk-Based Capital17.88%17.71%17.54%17.27%17.63%-25 bps
Equity / Assets13.19%13.29%13.00%12.70%12.89%-30 bps
Liquidity & Funding
Loans / Deposits98.96%99.44%94.23%93.98%92.88%-608 bps
Liquid Assets / Assets0.04%0.54%3.84%2.67%3.72%+368 bps
CRE / Total Capitaln/a280%287%288%n/an/a