BlastPoint's Banking Scorecard
Homestead Bank
Community
Specialty: Agricultural
NE
FDIC cert 11482
Cozad, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Homestead Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18% in Community
- - Capital Thin: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$521.8M
+2.6% YoY
+1.4% QoQ
|
-$869.7M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$368.0M
+4.5% YoY
+11.2% QoQ
|
-$607.4M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$399.7M
+1.1% YoY
+1.2% QoQ
|
-$764.9M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
1.59%
+22.0% YoY
+4.1% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.06%
+13.0% YoY
+2.1% QoQ
|
+0.40% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
52.86%
-9.7% YoY
-1.1% QoQ
|
-9.77% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
0.27%
-60.4% YoY
-16.1% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
92.06%
+3.4% YoY
+9.9% QoQ
|
+9.00% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
23.65%
-3.7% YoY
+2.6% QoQ
|
+2.60% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.19%
-59.6% YoY
-8.0% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.56%
-3.0% YoY
+32.5% QoQ
|
-0.18% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#95 of 513 · Bottom 18% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.06%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Capital Thin
risk
#135 of 432 · Bottom 31% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
78
78th pctile
Efficiency Ratio
Current: 52.86% · Tier avg: 62.63%
73
73th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.66%
70
70th pctile
Loan-to-Deposit Ratio
Current: 92.06% · Tier avg: 83.06%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.65% · Tier avg: 21.05%
63
63th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
11
11th pctile
Total Loans
Current: $368.0M · Tier avg: $975.5M
3
3th pctile
Total Assets
Current: $521.8M · Tier avg: $1.4B
1
1th pctile
Total Deposits
Current: $399.7M · Tier avg: $1.2B
Top Weaknesses
1
1th pctile
Total Deposits
Current: $399.7M · Tier avg: $1.2B
3
3th pctile
Total Assets
Current: $521.8M · Tier avg: $1.4B
11
11th pctile
Total Loans
Current: $368.0M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
56
56th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.74%
63
63th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 23.65% · Tier avg: 21.05%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
70
70th pctile
Loan-to-Deposit Ratio
Current: 92.06% · Tier avg: 83.06%
73
73th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.66%
78
78th pctile
Efficiency Ratio
Current: 52.86% · Tier avg: 62.63%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%