HOMESTEAD BANK

COZAD, NE | Medium | Est. Jan. 1, 1905, midnight | FDIC #11482 | RSSD #140157 | FDIC
Latest Report: 2025-12-31

HOMESTEAD BANK is amn medium FDIC-insured commercial bank headquartered in COZAD, NE, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $522M and total deposits of $400M. Profitability stands at 1.78% ROA and 9.85% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 16.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.18% and a Texas Ratio of 0.66%. FDIC Certificate #11482.

Assets

$522M

Deposits

$400M

Loans

$372M

Equity

$95M

Profitability

Return on Assets (ROA) 1.78%
Return on Equity (ROE) 9.85%
Net Interest Margin (NIM) 4.37%
Yield on Assets 5.72%
Cost of Funds 1.53%

Asset Quality

NPL Ratio 0.18%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.66%
NPA Ratio 0.13%
ACL / Loans 1.07%

Capital & Liquidity

CET1 Ratio 16.86%
Tier 1 Capital 16.86%
Total Capital Ratio 17.70%
Leverage Ratio 17.95%
Loan-to-Deposit 93.06%

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