Home Federal Savings and Loan Association of Grand Island: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Grand Island, NE, Home Federal Savings and Loan Association of Grand Island serves its local market as an FDIC-insured commercial bank. Home Federal Savings and Loan Association of Grand Island's Q2 2026 balance sheet shows $563M in assets funded primarily by $482M in customer deposits. Returns are notably above industry norms: 1.26% ROA, 9.78% ROE, and 3.83% NIM. Regulatory capital is solid, 16.38% CET1 and 17.63% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.09%. 8 branches make up the footprint.
As of June 30, 2026, Home Federal Savings and Loan Association of Grand Island reported a CET1 capital ratio of 16.38%, a return on assets of 1.26%, a nonperforming-loan ratio of 0.09%, a Texas ratio of 1.08%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 221 S Locust St, Grand Island, NE 68801
- County
- Hall
- Metro Area
- Grand Island, NE
- Charter
- Federal savings bank, federal charter, OCC-supervised (pre-2011 OTS)
- Primary Regulator
- OCC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 1, 1935
- Offices
- 8 domestic
- Employees (FTE)
- 72
- Domestic deposits
- $482.1M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- -$33K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29476
- Fed RSSD
- 317379
- SEC CIK
- 1979332 → filed by CENTRAL PLAINS BANCSHARES, INC.
- Website
- www.homefederalne.bank →
- Parent Holding Company
- CENTRAL PLAINS BANCSHARES, INC. (RSSD 5860179) · CPBI
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Garness Daniel R | CEO | President & CEO |
| Kool Bradley M. | CFO | 1st VP and CFO |
| Harris Lisa A. | COO | EVP and COO |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.38% | 1.26% | 0.09% | 1.08% | 3.83% |
| Q1 2026 | 16.02% | 0.76% | 0.37% | 2.54% | 3.58% |
| Q4 2025 | 16.29% | 1.12% | 0.02% | 0.52% | 3.88% |
| Q3 2025 | 16.46% | 0.94% | 0.08% | 0.77% | 3.76% |
| Q2 2025 | 16.63% | 0.98% | 0.10% | 0.98% | 3.72% |
| Q1 2025 | 16.57% | 0.79% | 0.33% | 2.05% | 3.65% |
| Q4 2024 | 16.51% | 0.93% | 0.93% | 6.05% | 3.49% |
| Q3 2024 | 16.51% | 0.91% | 0.12% | 0.97% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 8 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Home Federal Savings and Loan Association of Grand Island (main office) | Grand Island , NE | 68801 | $162.1M |
| 3311 West Stolley Park Branch | Grand Island , NE | 68803 | $105.9M |
| 3419 West State Branch | Grand Island , NE | 68803 | $100.7M |
| 715 West 4th Branch | Hastings , NE | 68901 | $35.5M |
| 423 Garfield Branch | Holdrege , NE | 68949 | $27.2M |
| Home Fs&La of Nebraska Bank Branch | Lexington , NE | 68850 | $24.7M |
| 454 Central Avenue Branch | Superior , NE | 68978 | $15.0M |
| Home Federal Savings and Loan Association of Grand Island Branch | Lincoln , NE | 68526 | $11.0M |
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 |
|---|---|---|---|
| January 1, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2016 | Structure Change | Acquired Home Federal Savings and Loan Association of Nebraska 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 2 events.
Regulatory record
What the public regulatory sources show for Home Federal Savings and Loan Association of Grand Island, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 2 against the institution (OCC (former OTS)); 4 against individuals associated with it
- January 29, 1992, OCC (former OTS): Cease and Desist: Home Federal Savings and Loan Association of Grand Island
- January 21, 1992, OCC (former OTS): Supervisory Agreement: Federal Savings and Loan Association of Grand Island
- Period: Most recent institution action January 29, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in NE, rank 38 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 266 applications, 213 loans originated, $41.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Home Federal Savings and Loan Association of Grand Island
What are Home Federal Savings and Loan Association of Grand Island's total assets?
As of the Q2 2026 filing, Home Federal Savings and Loan Association of Grand Island reported total assets of $562.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Home Federal Savings and Loan Association of Grand Island headquartered?
Home Federal Savings and Loan Association of Grand Island is headquartered in Grand Island, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Home Federal Savings and Loan Association of Grand Island founded?
Home Federal Savings and Loan Association of Grand Island was established in 1935, per the FDIC institution directory.
Is Home Federal Savings and Loan Association of Grand Island FDIC-insured?
Yes. Home Federal Savings and Loan Association of Grand Island is an FDIC-insured commercial bank (FDIC Certificate #29476). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Home Federal Savings and Loan Association of Grand Island?
Home Federal Savings and Loan Association of Grand Island's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Home Federal Savings and Loan Association of Grand Island's CET1 capital ratio?
Home Federal Savings and Loan Association of Grand Island reported a Common Equity Tier 1 (CET1) capital ratio of 16.38% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Home Federal Savings and Loan Association of Grand Island operate?
Home Federal Savings and Loan Association of Grand Island operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Home Federal Savings and Loan Association of Grand Island's Texas Ratio?
Home Federal Savings and Loan Association of Grand Island's Texas Ratio is 1.08% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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