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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Cozad, NE · FDIC certificate #11482
HOMESTEAD BANK is an FDIC-insured institution based in Cozad, NE (FDIC certificate #11482). In its Q3 2026 Call Report it reported total assets of $601M, total deposits of $463M and net loans of $383M. Its primary federal regulator is FDIC.
Plain-language readout
HOMESTEAD BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $601M in Q3 2026 and were lowest at $530M in Q1 2026.
Total deposits were highest at $463M in Q3 2026 and lowest at $408M in Q1 2026.
Over the whole period total assets rose 13.3%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $601M | $463M | $383M | 1.71% | 9.41% | 4.30% |
| Q2 2026 | $537M | $414M | $332M | 1.65% | 9.03% | 4.17% |
| Q1 2026 | $530M | $408M | $344M | 1.70% | 9.33% | 4.19% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $60.8M | $44.5M | +$16.3M | +36.5% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $113.9M | $112.1M | +$1.9M | +1.7% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $331.8M | $344.3M | -$12.6M | -3.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $9.6M | $9.7M | -$55K | -0.6% |
| Other real estate owned | $249K | $0K | +$249K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $20K | $20K | $0K | 0.0% |
| Intangible assets (goodwill, servicing, other) | $4.2M | $4.2M | $0K | 0.0% |
| All other assets | $16.4M | $15.6M | +$799K | +5.1% |
| Total assets | $537.0M | $530.5M | +$6.5M | +1.2% |
| Liabilities | ||||
| Total deposits | $413.6M | $408.1M | +$5.5M | +1.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $22.5M | $22.7M | -$182K | -0.8% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.9M | $2.9M | -$991K | -34.0% |
| Total liabilities | $438.0M | $433.7M | +$4.3M | +1.0% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.0M | $1.0M | $0K | 0.0% |
| Surplus | $38.7M | $38.7M | $0K | 0.0% |
| Retained earnings | $62.8M | $60.7M | +$2.0M | +3.4% |
| Accumulated other comprehensive income | -$3.5M | -$3.7M | +$143K | +3.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $99.0M | $96.8M | +$2.2M | +2.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $916K | $1.2M | -$290K | -24.0% |
| Adjusted nonperforming assets | $916K | $1.2M | -$290K | -24.0% |
| Tangible equity plus allowance | $98.9M | $96.7M | +$2.2M | +2.3% |
| Texas ratio (gross) | 0.93% | 1.25% | -0.32 pts | See points |
| Texas ratio (adjusted) | 0.93% | 1.25% | -0.32 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.93% | 1.25% | -0.32 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 18.62% | 18.19% | +0.43 pts | See points |
| Construction and land loans to total capital | 3.60% | 2.94% | +0.67 pts | See points |
| Commercial real estate to total capital | 20.95% | 20.41% | +0.54 pts | See points |
| Dividend payout, year to date | 5.21% | 6.21% | -1.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -4.52% | -4.81% | +0.28 pts | See points |
| Liquidity | ||||
| Core deposits | $385.4M | $380.4M | +$4.9M | +1.3% |
| Non-core funding | $50.7M | $50.3M | +$390K | +0.8% |
| Loans to core deposits | 87.15% | 91.57% | -4.43 pts | See points |
| Loans to deposits | 81.19% | 85.36% | -4.17 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 54.96% | 52.82% | +2.13 pts | See points |
| Loans pledged, share of loans | 21.98% | 21.55% | +0.43 pts | See points |
| Volatile liabilities | $50.7M | $50.3M | +$390K | +0.8% |
| Earnings | ||||
| Earnings before provision, year to date | $5.6M | $2.9M | +$2.7M | +92.3% |
| Earnings before provision, single quarter | $2.7M | $2.9M | -$223K | -7.7% |
| Provision for credit losses, year to date | $90K | $45K | +$45K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.77% | 6.63% | +0.13 pts | See points |
| Yield on interest-bearing balances due from banks | 3.53% | 3.51% | +0.02 pts | See points |
| Total interest income to average assets | 5.03% | 4.99% | +0.04 pts | See points |
| Cost of interest-bearing transaction accounts | 0.61% | 0.55% | +0.06 pts | See points |
| Cost of savings and money market deposits | 1.03% | 1.04% | -0.01 pts | See points |
| Cost of time deposits | 3.38% | 3.38% | -0.00 pts | See points |
| Total interest expense to average assets | 1.20% | 1.17% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $601M | $463M | $383M | 1.71% | 9.41% | 4.30% |
| 2026-06-30 | $537M | $414M | $332M | 1.65% | 9.03% | 4.17% |
| 2026-03-31 | $530M | $408M | $344M | 1.70% | 9.33% | 4.19% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $396.4M | 0.43% | 47 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.