Total Assets
$536M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Home Federal Savings and Loan Association of Grand Island — FDIC Bank Health Profile
Grand Island, Nebraska · Est. 1935. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
Nationally chartered (OCC) Savings bank FDIC Cert #29476 Kansas City Region
C
Health grade
Fair
Score: 58/100
Basel III capital ratios — Home Federal Savings and Loan Association of Grand Island
Total Deposits
$457M
Customer-funded liabilities
Net Loans
$425M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
16.29% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
16.29%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$70M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.95%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
7.30%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
70.62%
Income & Expense Breakdown
$27M
Interest Income
$3M
Non-Interest Income
$15M
Non-Interest Expense
FDIC Deposit Insurance
Home Federal Savings and Loan Association of Grand Island is FDIC-insured (Certificate #29476). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Home Federal Savings and Loan Association of Grand Island
Home Federal Savings and Loan Association of Grand Island is an FDIC-insured institution (Certificate #29476) headquartered in Grand Island, Nebraska, established in 1935. The bank currently holds $536M in total assets and $457M in customer deposits, with $425M deployed as loans. It operates as a Nationally chartered (OCC) (Savings bank) within the FDIC Kansas City region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Home Federal Savings and Loan Association of Grand Island reports a Tier 1 Capital Ratio of 16.29% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $70M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.95% and a Return on Equity of 7.30%, with an Efficiency Ratio of 70.62% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (58/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Home Federal Savings and Loan Association of Grand Island is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Nebraska by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Home Federal Savings and Loan Association of Grand Island (FDIC Cert #29476) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of Omaha Omaha | $34.6B | B | 1.51% |
| Union Bank and Trust Company Lincoln | $9.1B | B | 1.60% |
| Pinnacle Bank Lincoln | $8.9B | B | 1.26% |
| American National Bank Omaha | $5.2B | B | 1.32% |
| Cornerstone Bank York | $2.8B | F | 1.11% |
| Security First Bank Lincoln | $2.2B | C | 0.90% |
| Five Points Bank Grand Island | $2.1B | B | 1.47% |
| Security National Bank of Omaha Omaha | $1.7B | C | 1.28% |
Frequently Asked Questions
What is Home Federal Savings and Loan Association of Grand Island's health grade? ▼
Home Federal Savings and Loan Association of Grand Island receives a health grade of C (58/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Home Federal Savings and Loan Association of Grand Island? ▼
Home Federal Savings and Loan Association of Grand Island holds $536M in total assets and $457M in deposits. It is headquartered in Grand Island, Nebraska.
Is my money safe at Home Federal Savings and Loan Association of Grand Island? ▼
Yes. Home Federal Savings and Loan Association of Grand Island is FDIC-insured (Certificate #29476). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Home Federal Savings and Loan Association of Grand Island's Tier 1 Capital Ratio? ▼
Home Federal Savings and Loan Association of Grand Island has a Tier 1 Capital Ratio of 16.29%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Home Federal Savings and Loan Association of Grand Island? ▼
Home Federal Savings and Loan Association of Grand Island has an Efficiency Ratio of 70.62%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.