Homestead Bank

BankCozad, Nebraska
www.homestead.bank

Total Assets

$521.8M

Total Deposits

$399.7M

Branches

11

Established

1905

TFS Health Grade

$
C

73.9 / 100

Average financial health

How we grade

Homestead Bank is a bank headquartered in Cozad, Nebraska, established in 1905. With $521.8M in total assets and 11 branch locations, it has a TFS Financial Health Grade of C (73.9/100).

Capital & Safety

Tier 1 Capital Ratio
17.95%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.27%

Profitability

Return on Assets (ROA)
1.59%(1%)
Return on Equity (ROE)
9.15%(10%)
Net Interest Margin
4.06%
Efficiency Ratio
52.86%(60%)

Lending & Liquidity

Total Loans
$372.0M
Loan-to-Deposit Ratio
92.06%
Net Charge-Off Ratio
-0.01%

Growth

Asset Growth (YoY)
+2.61%
Deposit Growth (YoY)
+1.12%
Net Income
$8.2M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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