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Home Federal Savings and Loan Association of Grand Island

$100M-$1B Specialty: Commercial NE FDIC cert 29476

Grand Island, NE

8 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 +15.4% year over year ($482.1M on the books).
  • Delinquency rate 0.19%.
  • Return on assets 1.01%.
  • Efficiency ratio 65.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.66% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Home Federal Savings and Loan Association of Grand Island has 1 strength but faces 7 concerns

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

  • + Delinquency Rate 0.73% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 12.9% in tier
  • - Credit Risk Growth: Bottom 31.9% in tier
  • - Liquidity Strain: Bottom 37.2% in tier
  • - Liquidity Overhang: Bottom 37.9% in tier
  • - ROA 0.31% below tier average
  • - Net Interest Margin 0.23% below tier average
  • - Efficiency Ratio 1.43% above tier average
Get updates when Home Federal Savings and Loan Association of Grand Island releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $562.9M
+12.4% YoY +0.8% QoQ
+$176.3M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
77%
Total Loans ? $441.9M
+8.4% YoY -0.2% QoQ
+$183.5M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
83%
Total Deposits ? $482.1M
+15.4% YoY +1.0% QoQ
+$155.3M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 1.01%
+14.0% YoY +33.4% QoQ
-0.31% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
34%
Net Interest Margin ? 3.75%
+1.4% YoY +4.2% QoQ
-0.23% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
40%
Efficiency Ratio ? 65.91%
-7.3% YoY -4.6% QoQ
+1.43% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
40%
Delinquency Rate ? 0.19%
+23.5% YoY -54.6% QoQ
-0.73% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
66%
Loan-to-Deposit Ratio ? 91.66%
-6.1% YoY -1.2% QoQ
+13.71% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
23%
Non-Interest-Bearing Deposit Share ? 17.12%
-8.8% YoY +2.8% QoQ
-4.91% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 0.15%
+7.4% YoY -56.7% QoQ
-0.52% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
66%
Tier 1 Capital Ratio ? 16.38%
-1.5% YoY +2.2% QoQ
+0.47% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
74%
Non-Interest Income / Assets ? 0.25%
-13.9% YoY +94.6% QoQ
-0.31% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
64%

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 17.1%
-1.7pp YoY
+0.5pp QoQ
 -5.0pp 22.1% 17.6% 22.2% 32%
Brokered Deposits 5.7%
+4.0pp YoY
-0.1pp QoQ
 -2.1pp 7.9% 8.9% 8.5% 57%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 9.7%
+1.8pp YoY
-1.2pp QoQ
 -1.9pp 11.6% 12.3% 12.5% 51%
CRE 47.1%
-0.1pp YoY
-0.4pp QoQ
 +7.6pp 39.5% 32.3% 41.4% 66%
1-4 Family 26.7%
-2.8pp YoY
-0.2pp QoQ
 -5.9pp 32.6% 16.9% 31.3% 44%
Consumer 2.0%
-1.5pp YoY
-0.3pp QoQ
 -2.1pp 4.1% 3.1% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 16.4%
-0.2pp YoY
+0.4pp QoQ
 -2.4pp 18.8% 16.1% 19.7% 60%
Leverage Ratio 13.4%
-0.4pp YoY
-0.1pp QoQ
 +1.2pp 12.2% 12.1% 12.6% 78%
Total Capital Ratio 17.6%
-0.2pp YoY
+0.4pp QoQ
 -2.3pp 19.9% 17.3% 20.8% 61%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 72
+4 (+5.9%) YoY
+2 (+2.9%) QoQ
 +13 58 98 482 72%
Assets per Employee ($) $7.8M
+6.1% YoY
-2.0% QoQ
 +$299K $7.5M $8.5M $8.8M 65%
Branch Count 8
0 YoY
0 QoQ
 +3 4 7 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 51%
Nonaccrual 0.1%
0.0pp YoY
-0.3pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 18%
Allowance Coverage 6.93x
-19.1% YoY
+123.7% QoQ
 -17.22x 24.15x 31.69x 20.23x 77%
Net Charge-off Rate (YTD) -0.0%
-0.3pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 12%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 7.8%
+1.0pp YoY
+2.0pp QoQ
 -4.3pp 12.2% 12.3% 11.6% 25%
Cost of Funds (YTD) 1.9%
+0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.9% 1.7% 65%
Net Income ($, YTD) $2.8M
+26.5% YoY
— QoQ
 +$234K $2.6M $6.1M $40.4M 67%

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 (4)

Credit Quality Pressure

risk
#163 of 1256 • Bottom 12.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.19%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#300 of 936 • Bottom 31.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#258 of 691 • Bottom 37.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.66%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Liquidity Overhang

risk
#282 of 742 • Bottom 37.9% 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: 16.38%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 91.66%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

447
Total Loans
size
Value: $441.85M
Peer Median: $258.35M
#447 of 2643 Top 16.9% in $100M-$1B
581
Total Deposits
size
Value: $482.05M
Peer Median: $326.73M
#581 of 2643 Top 21.9% in $100M-$1B
597
Total Assets
size
Value: $562.86M
Peer Median: $386.57M
#597 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (1 metrics)

2040
Loan-to-Deposit Ratio
liquidity
Value: 91.66%
Peer Median: 77.95%
#2040 of 2643 Bottom 22.9% in $100M-$1B
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