Homestead Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 12.01 percentage points higher than in Q1 2026, at 647.39%. Within Nebraska, Homestead Bank is 48th of 138 on return on assets, 1.60% as of Q2 2026, above the middle of the field. Homestead Bank reported 1.60% on return on assets for Q2 2026, 0.36 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 18.62% |
| Equity capital to assets | 18.43% |
| Tangible equity to tangible assets | 17.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.16% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.93% |
| Allowance for credit losses to loans | 1.22% |
| Reserve coverage of non-performing loans | 647.39% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 8.74% |
| Net interest margin | 4.16% |
| Efficiency ratio | 54.15% |
| Yield on earning assets | 5.46% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.19% |
| Core deposits to total deposits | 93.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.02% |
| Securities to assets | 21.22% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.52% | 1.05% | 3.25% | 0.00% | 0.00% |
| Q4 2023 | 15.74% | 0.98% | 3.30% | 0.24% | -0.00% |
| Q1 2024 | 16.15% | 1.19% | 3.38% | 0.23% | -0.00% |
| Q2 2024 | 16.60% | 1.23% | 3.35% | 0.22% | 0.00% |
| Q3 2024 | 16.98% | 1.17% | 3.54% | 0.00% | 0.00% |
| Q4 2024 | 16.92% | 1.55% | 3.75% | 0.00% | 0.03% |
| Q1 2025 | 17.13% | 1.47% | 3.80% | 0.00% | 0.00% |
| Q2 2025 | 17.60% | 1.55% | 3.89% | 0.20% | 0.00% |
| Q3 2025 | 18.04% | 1.51% | 3.99% | 0.20% | -0.03% |
| Q4 2025 | 17.95% | 1.74% | 4.17% | 0.18% | -0.00% |
| Q1 2026 | 18.19% | 1.67% | 4.10% | 0.18% | 0.00% |
| Q2 2026 | 18.62% | 1.60% | 4.16% | 0.19% | 0.00% |
Homestead Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Homestead Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Homestead Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11482) · FFIEC NIC profile (RSSD 140157)