Homestead Bank
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Data as of · sourced from FFIEC call reports. How we update
Homestead Bank is an FDIC-insured commercial bank headquartered in Cozad, NE, established in 1905 (FDIC certificate 11482), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $537.0M, up 4.8% from Q2 2025, the 42nd largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 18.62% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11482
- Headquarters
- Cozad, NE
- Established
- 1905
- Total assets, Q2 2026
- $537.0M
- Assets vs Q2 2025
- +4.8%
- Tier 1 leverage ratio, Q2 2026
- 18.62%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 104902376
- Latest call report
- Q2 2026, FFIEC 051 · Homestead Bank call report
- Holding company
- C.S.B. CO.
- Asset rank in state
- 42nd of 138 in Nebraska
Homestead Bank carries far more capital than most banks of its size. It reported $537 million in assets at June 30, 2026, up 4.8% from a year earlier. It funds 18.62% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 21% of its capital, a small fraction of the median of 1.2 times for banks its size.
Loans and deposits moved in opposite directions: over the year loans fell 1.9% and deposits rose 4.3%.
As of June 30, 2026, Homestead Bank reported a return on assets of 1.60%, a nonperforming-loan ratio of 0.20% and a Texas ratio of 0.93%. The figures come from its call report filed with the FFIEC.
Of the 138 banks headquartered in Nebraska, Homestead Bank is the 42nd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 1.2% to $537.0M, loans fell 3.6% and deposits rose 1.3%. The largest part of its loan book on June 30, 2026 was farmland and other real estate loans, at 40.4% of total loans, ahead of agricultural production loans at 40.2%. Its 10 offices in the FDIC Summary of Deposits are in 9 cities in NE; its Cozad office books 20% of its branch deposits. Judged on its Q2 2026 call report, Homestead Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 915 Meridian Ave, Cozad, NE 69130
- County
- Dawson
- Metro Area
- Lexington, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Former names
- Cozad State Bank and Trust Company (1972-2009)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $413.6M
- Allowance for credit losses
- $4.1M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $533.6M
- Average total loans
- $336.8M
- Average interest-bearing deposits
- $318.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11482
- Fed RSSD
- 140157
- Website
- www.homestead.bank →
- Parent Holding Company
- C.S.B. CO. (RSSD 1055696)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Homestead Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Homestead Bank's total assets ran between $495.3M (Q3 2023) and $537.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$537.0M total assets against $512.6M; $438.0M total liabilities against $423.4M.
$331.8M net loans and leases against $338.5M; $413.6M total deposits against $396.4M.
$113.9M securities against $125.4M; $60.8M cash and balances due against $24.2M.
$6.7M total interest income against $6.5M; $1.6M total interest expense against $1.7M.
$5.1M net interest income against $4.8M.
$725K total noninterest income against $704K; $3.2M total noninterest expense against $2.9M.
$45K provision for credit losses against $89K.
$2.1M net income against $2.0M.
1.60% return on assets against 1.55%; 4.16% net interest margin against 3.89%.
18.62% tier 1 leverage ratio against 17.60%.
Inside the full Homestead Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeHomestead Bank rankings
Its closest position to the top of a national ranking is 1,097 of 3,611, for ROA; its furthest is 2,716 of 3,640, for Texas Ratio.
Banks merged into Homestead Bank
- First State Bank, effective August 1, 2026
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.17% (Q3 2024) to 1.74% (Q4 2025) and its net interest margin ran from 3.54% (Q3 2024) to 4.17% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 18.62% | 1.60% | 0.20% | 0.93% | 4.16% |
| Q1 2026 | 18.19% | 1.67% | 0.35% | 1.25% | 4.10% |
| Q4 2025 | 17.95% | 1.74% | 0.27% | 1.06% | 4.17% |
| Q3 2025 | 18.04% | 1.51% | 0.32% | 1.06% | 3.99% |
| Q2 2025 | 17.60% | 1.55% | 0.23% | 0.89% | 3.89% |
| Q1 2025 | 17.13% | 1.47% | 2.09% | 8.35% | 3.80% |
| Q4 2024 | 16.92% | 1.55% | 0.68% | 2.93% | 3.75% |
| Q3 2024 | 16.98% | 1.17% | 0.14% | 0.51% | 3.54% |
Swipe the table sideways to see every column.
Branch Network
View all 10 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Homestead Bank (main office) | Cozad , NE | 69130 | $84.5M |
| Chadron Branch | Chadron , NE | 69337 | $76.9M |
| Schuyler Branch | Schuyler , NE | 68661 | $50.8M |
| Howells Branch | Howells , NE | 68641 | $49.3M |
| Ainsworth Branch | Ainsworth , NE | 69210 | $46.2M |
| St Paul Branch | St. Paul , NE | 68873 | $36.9M |
| Lexington Branch | Lexington , NE | 68850 | $29.7M |
| Albion Branch | Albion , NE | 68620 | $25.1M |
| Wolbach Branch | Wolbach , NE | 68882 | $14.3M |
| Drive-Thru Schuyler | Schuyler , NE | 68661 | $0 |
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 |
|---|---|---|---|
| August 1, 2026 | Structure Change | Acquired First State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 31, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2021 | Structure Change | Acquired First National Bank of Chadron Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 1, 2011 | Structure Change | Acquired First National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1996 | Structure Change | Acquired St. Paul National Bank 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 8 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in NE, rank 47 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $700K approved, $350K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Homestead Bank
What are Homestead Bank's total assets?
As of the Q2 2026 filing, Homestead Bank reported total assets of $537.0 million in its FFIEC call report.
Where is Homestead Bank headquartered?
It is headquartered in Cozad, NE, United States.
When was Homestead Bank founded?
It was established in 1905, per the FDIC institution directory.
Is Homestead Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Homestead Bank?
Homestead Bank's primary federal regulator is the FDIC.
How many branches does Homestead Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Homestead Bank's Texas Ratio?
Its Texas Ratio is 0.93% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Homestead Bank previously called?
The charter now named Homestead Bank has also operated as Cozad State Bank and Trust Company (1972-2009), per FDIC structure-change records.
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