Home Federal Savings and Loan Association of Grand Island: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Home Federal Savings and Loan Association of Grand Island, based in Grand Island, Nebraska, reported $563 million in assets at June 30, 2026, up 12.4% from a year earlier. It grew deposits 15.4% over the year, 3.8 times the median of 4.0% for the 2,660 banks with $100 million to $1 billion in assets. It also pays an average of 2.31% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Earnings jumped: net income for the quarter was $1.8 million, 42% above the same quarter a year earlier. Over the same year, loans grew 8.4% and deposits grew 15.4%.
As of June 30, 2026, Home Federal Savings and Loan Association of Grand Island reported a CET1 capital ratio of 16.38%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.09% and a Texas ratio of 1.08%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 221 S Locust St, Grand Island, NE 68801
- County
- Hall
- Metro Area
- Grand Island, NE
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1935
- Offices
- 8 domestic
- Employees (FTE)
- 72
- Domestic deposits
- $482.1M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- -$33K
- Average total assets
- $558.2M
- Average total loans
- $448.3M
- Average interest-bearing deposits
- $352.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29476
- Fed RSSD
- 317379
- SEC CIK
- 1979332 → filed by CENTRAL PLAINS BANCSHARES, INC.
- Website
- www.homefederalne.bank →
- Parent Holding Company
- CENTRAL PLAINS BANCSHARES, INC. (RSSD 5860179) · CPBI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Daniel R Garness | CEO | President & CEO |
| Bradley M. Kool | CFO | 1st VP and CFO |
| Lisa A. Harris | COO | EVP and COO |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.38% | 1.26% | 0.09% | 1.08% | 3.83% |
| Q1 2026 | 16.02% | 0.76% | 0.37% | 2.54% | 3.58% |
| Q4 2025 | 16.29% | 1.12% | 0.02% | 0.52% | 3.88% |
| Q3 2025 | 16.46% | 0.94% | 0.08% | 0.77% | 3.76% |
| Q2 2025 | 16.63% | 0.98% | 0.10% | 0.98% | 3.72% |
| Q1 2025 | 16.57% | 0.79% | 0.33% | 2.05% | 3.65% |
| Q4 2024 | 16.51% | 0.93% | 0.93% | 6.05% | 3.49% |
| Q3 2024 | 16.51% | 0.91% | 0.12% | 0.97% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Federal Savings and Loan Association of Grand Island (main office) | Grand Island , NE | 68801 | $162.1M |
| 3311 West Stolley Park Branch | Grand Island , NE | 68803 | $105.9M |
| 3419 West State Branch | Grand Island , NE | 68803 | $100.7M |
| 715 West 4th Branch | Hastings , NE | 68901 | $35.5M |
| 423 Garfield Branch | Holdrege , NE | 68949 | $27.2M |
| Home Fs&La of Nebraska Bank Branch | Lexington , NE | 68850 | $24.7M |
| 454 Central Avenue Branch | Superior , NE | 68978 | $15.0M |
| Home Federal Savings and Loan Association of Grand Island Branch | Lincoln , NE | 68526 | $11.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Home Federal Savings and Loan Association of Nebraska Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Home Federal Savings and Loan Association of Grand Island, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 4 against individuals associated with it
- January 29, 1992, OCC (former OTS): Cease and Desist: Home Federal Savings and Loan Association of Grand Island
- January 21, 1992, OCC (former OTS): Supervisory Agreement: Federal Savings and Loan Association of Grand Island
- Period: Most recent institution action January 29, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in NE, rank 38 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 266 applications, 213 loans originated, $41.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $95K approved, $48K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Home Federal Savings and Loan Association of Grand Island
What are Home Federal Savings and Loan Association of Grand Island's total assets?
As of the Q2 2026 filing, Home Federal Savings and Loan Association of Grand Island reported total assets of $562.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Home Federal Savings and Loan Association of Grand Island headquartered?
Home Federal Savings and Loan Association of Grand Island is headquartered in Grand Island, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings institution must.
When was Home Federal Savings and Loan Association of Grand Island founded?
Home Federal Savings and Loan Association of Grand Island was established in 1935, per the FDIC institution directory.
Is Home Federal Savings and Loan Association of Grand Island FDIC-insured?
Yes. Home Federal Savings and Loan Association of Grand Island is an FDIC-insured savings institution (FDIC Certificate #29476). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Federal Savings and Loan Association of Grand Island?
Home Federal Savings and Loan Association of Grand Island's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Home Federal Savings and Loan Association of Grand Island's CET1 capital ratio?
Home Federal Savings and Loan Association of Grand Island reported a Common Equity Tier 1 (CET1) capital ratio of 16.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Home Federal Savings and Loan Association of Grand Island operate?
Home Federal Savings and Loan Association of Grand Island operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Federal Savings and Loan Association of Grand Island's Texas Ratio?
Home Federal Savings and Loan Association of Grand Island's Texas Ratio is 1.08% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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