BlastPoint's Banking Scorecard

Home Federal Savings and Loan Association of Grand Island

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

Grand Island, NE

8 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Home Federal Savings and Loan Association of Grand Island has 1 strength but faces 6 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 0.46% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 24.5% in tier
- Liquidity Overhang: Bottom 36.8% in tier
- Credit Risk Growth: Bottom 45.7% in tier
- ROA 0.38% below tier average
- Net Interest Margin 0.33% below tier average
- Efficiency Ratio 3.81% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$558.6M +9.9% YoY +4.3% QoQ	+$172.5M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	77%
Total Loans ?	$442.5M +11.5% YoY +4.2% QoQ	+$186.8M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$477.1M +10.0% YoY +4.5% QoQ	+$149.1M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	0.89% +13.7% YoY -6.2% QoQ	-0.38%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.60% -0.8% YoY -4.2% QoQ	-0.33%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	69.10% -2.4% YoY -2.2% QoQ	+3.81%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.42% +17.5% YoY +464.0% QoQ	-0.46%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	92.76% +1.4% YoY -0.3% QoQ	+16.12%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	19%
Non-Interest-Bearing Deposit Share ?	16.65% -11.8% YoY -0.9% QoQ	-5.37%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.35% +24.0% YoY +381.7% QoQ	-0.29%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	46%
Tier 1 Capital Ratio ?	16.05% -3.1% YoY -1.5% QoQ	+0.22%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.13% -12.9% YoY -76.5% QoQ	-0.15%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	67%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

Credit Quality Pressure

risk

#321 of 1308 • Bottom 24.5% in tier

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

Why this signature

Delinquency Rate: 0.42%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Overhang

risk

#273 of 739 • Bottom 36.8% 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: 16.05%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.76%

(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

Credit Risk Growth

risk

#446 of 973 • Bottom 45.7% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

433

Total Loans

size

Value: $442.54M

Peer Median: $255.72M

#433 of 2664 Top 16.2% in $100M-$1B

607

Total Assets

size

Value: $558.61M

Peer Median: $386.08M

#607 of 2664 Top 22.7% in $100M-$1B

607

Total Deposits

size

Value: $477.07M

Peer Median: $327.97M

#607 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2161

Loan-to-Deposit Ratio

liquidity

Value: 92.76%

Peer Median: 76.64%

#2161 of 2664 Bottom 18.9% in $100M-$1B