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Homestead Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 11482

Cozad, NE

11 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE
View $100M-$1B leaderboard (NE) →

Homestead Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.43% above tier average
  • + Net Interest Margin 0.26% above tier average
  • + Efficiency Ratio 14.94% below tier average
  • + Delinquency Rate 0.54% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 38.6% in tier
Get updates when Homestead Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $530.5M
+2.9% YoY +1.7% QoQ
+$144.4M $386.1M
+0.5% YoY
$791.1M
+6.6% YoY
$6.2B
+9.1% YoY
75%
Total Loans ? $344.3M
+1.0% YoY -6.4% QoQ
+$88.6M $255.7M
+1.1% YoY
$551.6M
+6.9% YoY
$3.2B
+10.8% YoY
74%
Total Deposits ? $408.1M
+1.9% YoY +2.1% QoQ
+$80.1M $328.0M
+0.1% YoY
$661.1M
+6.6% YoY
$4.8B
+8.2% YoY
70%
Return on Assets ? 1.70%
+14.0% YoY +7.2% QoQ
+0.43% 1.27%
+12.9% YoY
1.36%
+20.0% YoY
1.23%
+13.4% YoY
78%
Net Interest Margin ? 4.19%
+7.2% YoY +3.2% QoQ
+0.26% 3.93%
+6.0% YoY
3.79%
+6.5% YoY
3.89%
+5.7% YoY
68%
Efficiency Ratio ? 50.34%
-6.5% YoY -4.8% QoQ
-14.94% 65.29%
-4.5% YoY
60.11%
-6.9% YoY
66.95%
-4.1% YoY
83%
Delinquency Rate ? 0.35%
-83.4% YoY +28.3% QoQ
-0.54% 0.89%
+18.8% YoY
0.72%
+6.8% YoY
0.95%
+18.8% YoY
54%
Loan-to-Deposit Ratio ? 84.37%
-0.9% YoY -8.4% QoQ
+7.74% 76.64%
+0.8% YoY
79.63%
+0.4% YoY
76.70%
+0.9% YoY
36%
Non-Interest-Bearing Deposit Share ? 21.65%
+3.4% YoY -8.5% QoQ
-0.37% 22.02%
-1.0% YoY
17.92%
-1.5% YoY
22.01%
-1.2% YoY
53%
Nonperforming Asset Ratio ? 0.23%
-83.7% YoY +18.0% QoQ
-0.41% 0.64%
+19.7% YoY
0.55%
+6.0% YoY
0.67%
+19.3% YoY
57%
Tier 1 Capital Ratio ? 18.19%
+6.2% YoY +1.3% QoQ
+2.36% 15.83%
+1.5% YoY
14.10%
+3.9% YoY
17.06%
+0.8% YoY
82%
Non-Interest Income / Assets ? 0.13%
-10.6% YoY -76.1% QoQ
-0.15% 0.28%
+9.3% YoY
0.12%
+3.0% YoY
0.32%
+4.1% YoY
68%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#286 of 739 • Bottom 38.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.19%
(Tier: 15.83%, National: 17.06%)
better than tier avg
Loan-to-Deposit Ratio: 84.37%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
739 of 739 Community banks match · 939 nationally
→ Stable +13 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

445
Efficiency Ratio
profitability
Value: 50.34%
Peer Median: 65.29%
#445 of 2664 Top 16.7% in $100M-$1B
493
Tier 1 Capital Ratio
capital
Value: 18.19%
Peer Median: 15.83%
#493 of 2664 Top 18.5% in $100M-$1B
596
Return on Assets
profitability
Value: 1.70%
Peer Median: 1.27%
#596 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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