BlastPoint's Banking Scorecard
Home Federal Savings and Loan Association of Grand Island
Community
Specialty: Commercial
NE
FDIC cert 29476
Grand Island, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Home Federal Savings and Loan Association of Grand Island faces 3 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 29% in Community
- - Liquidity Overhang: Bottom 33% in Community
- - NIB Deposit Bleed: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$535.7M
+10.7% YoY
+5.0% QoQ
|
-$855.7M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$424.7M
+6.4% YoY
+1.9% QoQ
|
-$550.8M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
18% |
| Total Deposits ? |
$456.6M
+10.9% YoY
+7.5% QoQ
|
-$708.0M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.95%
+6.2% YoY
+5.6% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.76%
+7.3% YoY
+0.8% QoQ
|
+0.09% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
70.62%
-2.5% YoY
-1.0% QoQ
|
+7.98% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.08%
-92.7% YoY
-36.9% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
93.01%
-4.0% YoY
-5.2% QoQ
|
+9.94% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
16.80%
-17.9% YoY
-9.7% QoQ
|
-4.25% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.07%
-91.5% YoY
-34.6% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
16.29%
-1.3% YoY
-1.0% QoQ
|
+6.05% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.55%
-3.9% YoY
+27.7% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
56% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#152 of 513 · Bottom 29% 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:
93.01%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#88 of 268 · Bottom 33% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.29%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
93.01%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
NIB Deposit Bleed
decline
#32 of 89 · Bottom 35% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.80%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 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
85
85th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.29% · Tier avg: 10.24%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
73
73th pctile
Loan-to-Deposit Ratio
Current: 93.01% · Tier avg: 83.06%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
56
56th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.80% · Tier avg: 21.05%
26
26th pctile
Efficiency Ratio
Current: 70.62% · Tier avg: 62.63%
18
18th pctile
Total Loans
Current: $424.7M · Tier avg: $975.5M
6
6th pctile
Total Deposits
Current: $456.6M · Tier avg: $1.2B
5
5th pctile
Total Assets
Current: $535.7M · Tier avg: $1.4B
Top Weaknesses
5
5th pctile
Total Assets
Current: $535.7M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $456.6M · Tier avg: $1.2B
18
18th pctile
Total Loans
Current: $424.7M · Tier avg: $975.5M
26
26th pctile
Efficiency Ratio
Current: 70.62% · Tier avg: 62.63%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.80% · Tier avg: 21.05%
35
35th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.16%
56
56th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
73
73th pctile
Loan-to-Deposit Ratio
Current: 93.01% · Tier avg: 83.06%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.29% · Tier avg: 10.24%
85
85th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%