Homestead Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Homestead Bank of Cozad, 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 | 1.60% | 1.34% | +0.26% | 69th above |
| ROAE | 8.74% | 13.33% | -4.59% | 29th below |
| Net Interest Margin | 4.16% | 3.93% | +0.23% | 62nd above |
| Efficiency Ratio | 54.15% | 61.13% | -6.98% | 71st above |
| PPNR / Avg Assets | 2.00% | 1.68% | +0.32% | 72nd above |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 1.49% | 1.88% | -0.39% | 70th above |
| Net Interest Spread | 3.60% | 3.32% | +0.28% | 65th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.19% | 0.94% | -0.75% | 65th above |
| NPA / Total Assets | 0.16% | 0.70% | -0.54% | 63rd above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.22% | 1.28% | -0.06% | 52nd above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 647.39% | 1546.63% | -899.24% | 76th top |
| Texas Ratio | 0.93% | 7.34% | -6.41% | 73rd above |
| Provision / NCO | 4500.00% | 1392.41% | +3107.59% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 18.62% | 12.14% | +6.48% | 95th top |
| Equity / Assets | 18.43% | 11.36% | +7.07% | 95th top |
| TCE / Tangible Assets | 17.79% | 11.08% | +6.71% | 95th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.19% | 80.66% | +0.53% | 49th below |
| Core Deposit Ratio | 93.17% | 86.85% | +6.32% | 75th top |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.18% | 5.04% | -0.86% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.76% | 6.84% | -2.08% | 53rd above |
| Loan Growth (Y/Y) | -1.91% | 7.92% | -9.83% | 15th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.33% | 6.29% | -1.96% | 52nd above |
See Homestead Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Homestead Bank, 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 Homestead Bank profile, how to read a UBPR, or how this data updates.