BlastPoint's Banking Scorecard
Homestead Bank
Cozad, NE
11 branches across NE
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
- Deposits +4.3% year over year ($413.6M on the books).
- Delinquency rate 0.20%.
- Return on assets 1.65%.
- Efficiency ratio 52.36% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.21% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Homestead Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.33% above tier average
- + Net Interest Margin 0.18% above tier average
- + Efficiency Ratio 12.12% below tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 43.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$537.0M
+4.8% YoY
+1.2% QoQ
|
+$150.4M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
75% |
| Total Loans ? |
$331.8M
-2.0% YoY
-3.7% QoQ
|
+$73.4M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$413.6M
+4.3% YoY
+1.3% QoQ
|
+$86.9M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
71% |
| Return on Assets ? |
1.65%
+8.1% YoY
-2.9% QoQ
|
+0.33% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
4.17%
+5.5% YoY
-0.7% QoQ
|
+0.18% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
52.36%
-1.3% YoY
+4.0% QoQ
|
-12.12% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.20%
-14.1% YoY
-42.6% QoQ
|
-0.72% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
80.21%
-6.1% YoY
-4.9% QoQ
|
+2.25% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
21.74%
-0.1% YoY
+0.4% QoQ
|
-0.29% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.17%
+10.4% YoY
-25.0% QoQ
|
-0.50% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
18.62%
+5.8% YoY
+2.4% QoQ
|
+2.71% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.27%
-7.2% YoY
+100.1% QoQ
|
-0.30% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
66% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.7%
0.0pp YoY +0.1pp QoQ |
-0.4pp | 22.1% | 17.6% | 22.2% | 53% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.9%
-0.3pp YoY +0.1pp QoQ |
-4.6pp | 11.6% | 12.3% | 12.5% | 32% |
| CRE | n/a | n/a | 39.5% | 32.3% | 41.4% | n/a |
| 1-4 Family |
2.3%
0.0pp YoY +0.1pp QoQ |
-30.3pp | 32.6% | 16.9% | 31.3% | 2% |
| Consumer |
2.3%
-0.3pp YoY +0.1pp QoQ |
-1.8pp | 4.1% | 3.1% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.1% | 19.7% | n/a |
| Leverage Ratio |
18.6%
+1.0pp YoY +0.4pp QoQ |
+6.4pp | 12.2% | 12.1% | 12.6% | 95% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
80
-2 (-2.4%) YoY +2 (+2.6%) QoQ |
+21 | 58 | 98 | 482 | 77% |
| Assets per Employee ($) |
$6.7M
+7.4% YoY -1.3% QoQ |
-$806K | $7.5M | $8.5M | $8.8M | 47% |
| Branch Count |
10
-1 (-9.1%) YoY 0 QoQ |
+5 | 4 | 7 | 18 | 90% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.2pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 18% |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 29% |
| Allowance Coverage |
6.12x
+25.3% YoY +82.8% QoQ |
-18.03x | 24.15x | 31.69x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.0%
0.0pp YoY -0.3pp QoQ |
-3.2pp | 12.2% | 12.3% | 11.6% | 31% |
| Cost of Funds (YTD) |
1.3%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.9% | 1.7% | 23% |
| Net Income ($, YTD) |
$4.4M
+11.8% YoY — QoQ |
+$1.8M | $2.6M | $6.1M | $40.4M | 83% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.