Bank Comparison
Tc Federal Bank vs Home Federal Savings and Loan Association of Grand Island
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
4 · 19
winning metrics across 23 comparable rows
Home Federal Savings and Loan Association of Grand Island
RSSD 317379 · GRAND ISLAND, NE
Full profile →Capital adequacy
| Metric | Tc Federal Bank | Home Federal Savings and Loan Association of Grand Island |
|---|---|---|
| CET1 Ratio | 14.35% | 16.05% |
| Tier 1 Capital Ratio | 14.35% | 16.05% |
| Total Capital Ratio | 15.60% | 17.30% |
| Tier 1 Leverage Ratio | 10.26% | 13.48% |
| Equity / Assets | 10.19% | 12.72% |
Profitability
| Metric | Tc Federal Bank | Home Federal Savings and Loan Association of Grand Island |
|---|---|---|
| Return on Assets (ROA) | 0.23% | 0.90% |
| Return on Equity (ROE) | 2.32% | 6.92% |
| Net Interest Margin (NIM) | 3.31% | 3.58% |
| Yield on Earning Assets | 5.63% | 5.46% |
| Cost of Funds | 2.54% | 2.08% |
Asset quality
| Metric | Tc Federal Bank | Home Federal Savings and Loan Association of Grand Island |
|---|---|---|
| Texas Ratio | 9.09% | 2.53% |
| Non-Performing Loan Ratio | 1.37% | 0.37% |
| Non-Performing Asset Ratio | 1.01% | 0.31% |
| Net Charge-Off Ratio | -0.02% | 0.00% |
| ACL / Loans | 1.21% | 1.30% |
Balance sheet
| Metric | Tc Federal Bank | Home Federal Savings and Loan Association of Grand Island |
|---|---|---|
| Total Assets | $559,509K | $558,609K |
| Total Deposits | $482,985K | $477,072K |
| Total Loans | $413,062K | $448,347K |
| Total Equity | $57,016K | $71,080K |
| Net Income (quarter) | $326 | $1,218K |
Liquidity & funding
| Metric | Tc Federal Bank | Home Federal Savings and Loan Association of Grand Island |
|---|---|---|
| Loan-to-Deposit Ratio | 85.52% | 93.98% |
| Core Deposit Ratio | 91.50% | 94.88% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Tc Federal Bank | Home Federal Savings and Loan Association of Grand Island |
|---|---|---|
| Headquarters City | Thomasville | GRAND ISLAND |
| Headquarters State | GA | NE |
| Asset Tier | Medium | Medium |
| Charter Class | 703293 | 703519 |
| Regulator | OCC | OCC |
| Domestic Branches | 4 | 8 |
| Employees (FTE) | 68 | 70 |
| Established | Jan. 1, 1934, midnight | 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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