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Homestead Bank
Cozad, NE · FDIC Certificate #11482 · Chartered 01/0
Total assets
$537.00M
Total deposits
$413.62M
Total equity
$98.98M
Net loans
$331.75M
Branches (offices)
10
Net income (YTD)
$4.38M
Rank: #1,699 of 4,213 U.S. banks by assets · #42 of 138 in Nebraska. Assets changed 4.8% and deposits 4.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.65% |
| Return on equity | 9.03% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 18.43% |
| Tier 1 leverage ratio | 18.62% |
| Uninsured deposits (share of deposits) | 21.5% |
| Noncurrent loans (share of loans) | 0.20% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 50.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $168.64M | 50.8% | |
| Commercial & industrial | $22.93M | 6.9% | |
| Consumer / individual | $7.52M | 2.3% | |
| Construction & development | $3.70M | 1.1% | |
| Agricultural | $134.95M | 40.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $487.13M | $389.75M | $2.18M | $66.09M |
| Jun 2023 | $511.61M | $369.01M | $3.47M | $69.68M |
| Jun 2024 | $499.19M | $377.78M | $3.08M | $78.26M |
| Jun 2025 | $512.61M | $396.45M | $3.91M | $89.16M |
| Jun 2026 | $537.00M | $413.62M | $4.38M | $98.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $413.62M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $413.62M.
Similar-sized banks
Bank Of Dudley ($537.91M) · Essex Bank ($536.62M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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