Home Federal Savings and Loan Association of Grand Island: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Home Federal Savings and Loan Association of Grand Island of Grand Island, NE against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.26% | 1.34% | -0.08% | 50th above |
| ROAE | 9.78% | 13.33% | -3.55% | 35th below |
| Net Interest Margin | 3.83% | 3.93% | -0.10% | 44th below |
| Efficiency Ratio | 62.93% | 61.13% | +1.80% | 45th below |
| PPNR / Avg Assets | 1.52% | 1.68% | -0.16% | 46th below |
| Yield on Earning Assets | 5.70% | 5.67% | +0.03% | 55th above |
| Cost of Funds | 2.31% | 1.88% | +0.43% | 21st bottom |
| Net Interest Spread | 3.19% | 3.32% | -0.13% | 43rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.09% | 0.94% | -0.85% | 74th above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans | -0.03% | 0.16% | -0.19% | 92nd top |
| ACL / Total Loans | 1.32% | 1.28% | +0.04% | 64th above |
| ACL / NPLs (Coverage) | 1447.17% | 1546.18% | -99.01% | — |
| Texas Ratio | 1.08% | 7.34% | -6.26% | 71st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 16.38% | 19.49% | -3.11% | 60th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 16.38% | 19.52% | -3.14% | 60th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.63% | 20.61% | -2.98% | 61st above |
| Leverage Ratio | 13.38% | 12.14% | +1.24% | 77th top |
| Equity / Assets | 12.89% | 11.36% | +1.53% | 78th top |
| TCE / Tangible Assets | 12.89% | 11.08% | +1.81% | 80th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 92.88% | 80.66% | +12.22% | 23rd bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.53% | 86.85% | +1.68% | 46th below |
| Wholesale Funding Ratio | 0.52% | 5.04% | -4.52% | 89th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 12.37% | 6.84% | +5.53% | 88th top |
| Loan Growth (Y/Y) | 8.35% | 7.92% | +0.43% | 67th above |
| Deposit Growth (Y/Y) | 15.44% | 6.28% | +9.16% | 91st top |
See Home Federal Savings and Loan Association of Grand Island's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Home Federal Savings and Loan Association of Grand Island, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Home Federal Savings and Loan Association of Grand Island profile, how to read a UBPR, or how this data updates.