Bank Comparison
Home Federal Savings and Loan Association of Grand Island vs First Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
Home Federal Savings and Loan Association of Grand Island
RSSD 317379 · GRAND ISLAND, NE
Full profile →vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Home Federal Savings and Loan Association of Grand Island | First Bank |
|---|---|---|
| CET1 Ratio | 16.05% | — |
| Tier 1 Capital Ratio | 16.05% | — |
| Total Capital Ratio | 17.30% | — |
| Tier 1 Leverage Ratio | 13.48% | 13.92% |
| Equity / Assets | 12.72% | 13.31% |
Profitability
| Metric | Home Federal Savings and Loan Association of Grand Island | First Bank |
|---|---|---|
| Return on Assets (ROA) | 0.90% | 1.49% |
| Return on Equity (ROE) | 6.92% | 10.68% |
| Net Interest Margin (NIM) | 3.58% | 4.02% |
| Yield on Earning Assets | 5.46% | 5.32% |
| Cost of Funds | 2.08% | 1.42% |
Asset quality
| Metric | Home Federal Savings and Loan Association of Grand Island | First Bank |
|---|---|---|
| Texas Ratio | 2.53% | 5.58% |
| Non-Performing Loan Ratio | 0.37% | 0.81% |
| Non-Performing Asset Ratio | 0.31% | 0.78% |
| Net Charge-Off Ratio | 0.00% | 0.08% |
| ACL / Loans | 1.30% | 1.32% |
Balance sheet
| Metric | Home Federal Savings and Loan Association of Grand Island | First Bank |
|---|---|---|
| Total Assets | $558,609K | $558,388K |
| Total Deposits | $477,072K | $479,273K |
| Total Loans | $448,347K | $375,654K |
| Total Equity | $71,080K | $74,344K |
| Net Income (quarter) | $1,218K | $1,993K |
Liquidity & funding
| Metric | Home Federal Savings and Loan Association of Grand Island | First Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.98% | 78.38% |
| Core Deposit Ratio | 94.88% | 96.04% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Federal Savings and Loan Association of Grand Island | First Bank |
|---|---|---|
| Headquarters City | GRAND ISLAND | MCCOMB |
| Headquarters State | NE | MS |
| Asset Tier | Medium | Medium |
| Charter Class | 703519 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 8 | 14 |
| Employees (FTE) | 70 | 118 |
| Established | June 1, 1935, midnight | June 25, 1895, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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