Homestead Bank: how it compares with its peers
Against 47 NE banks with half to twice its assets, Homestead Bank's strongest measure in Q2 2026 is efficiency ratio (52.36% vs. a 59.13% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $7.9M).
| Measure | Homestead Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.65% | 1.34% | Top third Ahead of 68% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.17% | 3.81% | Top third Ahead of 74% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 52.36% | 59.13% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $7.9M | Bottom third Ahead of 19% of peers |
| Loans to deposits Net loans and leases over total deposits. | 80.21% | 86.18% | Context |
What it means for lending operations
Its efficiency ratio of 52.36% is better than the 59.13% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- CHARTER WEST BANK West Point, NE · $548M
- Equitable Bank Grand Island, NE · $524M
- Nebraska Bank Dodge, NE · $552M
- Five Points Bank of Hastings Hastings, NE · $552M
- Home Federal Savings and Loan Association of Grand Island Grand Island, NE · $563M
- RVR Bank Fremont, NE · $570M
Questions about Homestead Bank
How big is Homestead Bank?
Homestead Bank, established in 1905, is headquartered in Cozad, NE. It reported $537M in total assets in its Q2 2026 FDIC call report and operates 11 offices.
What is Homestead Bank's return on assets?
1.65% annualized in Q2 2026, against a 1.34% median for 47 NE banks with half to twice its assets, ahead of 68% of them.
What is Homestead Bank's efficiency ratio?
52.36% in Q2 2026: it spent about 52 cents in noninterest expense for each dollar of revenue. The peer median is 59.13%, and lower is better.
Is Homestead Bank growing its loans?
Net loans shrank 2.0% over the year to Q2 2026, while deposits grew 4.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.