| Metric | Homestead Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.8% | +4.9% | -0.2 pts |
| Deposit growth (YoY) | +4.3% | +4.3% | -0.0 pts |
| Loan growth (YoY) | -2.0% | +5.3% | -7.3 pts |
| ROA | 1.65% | 1.28% | +0.4 pts |
| ROE | 9.0% | 12.5% | -3.4 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $537.0M | $413.6M | $331.8M | $99.0M | $4.4M | 1.65% | 4.17% | 0.17% |
| Q1 2026 | $530.5M | $408.1M | $344.3M | $96.8M | $2.2M | 1.70% | 4.19% | 0.23% |
| Q4 2025 | $521.8M | $399.7M | $368.0M | $94.9M | $8.2M | 1.59% | 4.06% | 0.19% |
| Q3 2025 | $514.5M | $394.8M | $330.8M | $92.3M | $5.9M | 1.52% | 3.98% | 0.21% |
| Q2 2025 | $512.6M | $396.4M | $338.5M | $89.2M | $3.9M | 1.53% | 3.95% | 0.15% |
| Q1 2025 | $515.7M | $400.4M | $341.0M | $86.4M | $1.9M | 1.49% | 3.91% | 1.40% |
| Q4 2024 | $508.5M | $395.3M | $352.1M | $83.3M | $6.6M | 1.30% | 3.60% | 0.48% |
| Q3 2024 | $502.8M | $390.6M | $322.1M | $82.4M | $4.6M | 1.21% | 3.51% | 0.09% |
Loan mix (Q2 2026): real estate $168.6M · commercial $22.9M · consumer $7.5M · securities $113.9M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Homestead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.65% | 1.28% | 72nd | |
Return on equity Annualized net income ÷ equity or net worth | 9.0% | 12.5% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.17% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 52.4% | 61.1% | 23rd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Homestead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Homestead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Homestead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Homestead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Homestead Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
Homestead Bank is in an open deal as the acquirer: C.S.B. Co. to acquire First State Bank (approved). Expect integration priorities and a consolidated vendor stack after closing.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 31, 2026 | Acquirer | — | Merger | Completed | FDIC |
| Jun 29, 2026 | Acquirer | First State Bank | Merger | Approved | Federal Reserve |
Technology spend in line with peers (16 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
10 branches in 7 counties across 1 state (-1 vs 2025) · $413.6M branch deposits. Biggest market: Dawson, NE, ranked 4th with 7.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Dawson, NE | 2 | $114.1M | 7.36% | 4th |
| Colfax, NE | 3 | $100.1M | 22.51% | 2nd |
| Dawes, NE | 1 | $76.9M | 22.11% | 2nd |
| 4 more counties with Pro → | ||||
Nebraska: 55th with 0.39% · Grand Island metro: 20th, 0.96% ·
Branch count: 2022 11 · 2023 11 · 2024 11 · 2025 11 · 2026 10