Bank Comparison
Home Federal Savings and Loan Association of Grand Island vs First Choice 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
15 · 5
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Home Federal Savings and Loan Association of Grand Island | First Choice Bank |
|---|---|---|
| CET1 Ratio | 16.05% | — |
| Tier 1 Capital Ratio | 16.05% | — |
| Total Capital Ratio | 17.30% | — |
| Tier 1 Leverage Ratio | 13.48% | 9.55% |
| Equity / Assets | 12.72% | 7.90% |
Profitability
| Metric | Home Federal Savings and Loan Association of Grand Island | First Choice Bank |
|---|---|---|
| Return on Assets (ROA) | 0.90% | -0.24% |
| Return on Equity (ROE) | 6.92% | -2.85% |
| Net Interest Margin (NIM) | 3.58% | 3.68% |
| Yield on Earning Assets | 5.46% | 6.16% |
| Cost of Funds | 2.08% | 2.48% |
Asset quality
| Metric | Home Federal Savings and Loan Association of Grand Island | First Choice Bank |
|---|---|---|
| Texas Ratio | 2.53% | 6.36% |
| Non-Performing Loan Ratio | 0.37% | 0.49% |
| Non-Performing Asset Ratio | 0.31% | 0.35% |
| Net Charge-Off Ratio | 0.00% | 0.04% |
| ACL / Loans | 1.30% | 1.11% |
Balance sheet
| Metric | Home Federal Savings and Loan Association of Grand Island | First Choice Bank |
|---|---|---|
| Total Assets | $558,609K | $558,741K |
| Total Deposits | $477,072K | $509,869K |
| Total Loans | $448,347K | $372,868K |
| Total Equity | $71,080K | $44,126K |
| Net Income (quarter) | $1,218K | $-318 |
Liquidity & funding
| Metric | Home Federal Savings and Loan Association of Grand Island | First Choice Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 93.98% | 73.13% |
| Core Deposit Ratio | 94.88% | 84.41% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Home Federal Savings and Loan Association of Grand Island | First Choice Bank |
|---|---|---|
| Headquarters City | GRAND ISLAND | PONTOTOC |
| Headquarters State | NE | MS |
| Asset Tier | Medium | Medium |
| Charter Class | 703519 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 8 | 6 |
| Employees (FTE) | 70 | 93 |
| Established | June 1, 1935, 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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