FDIC Cert #29476 · Grand Island, Nebraska · Est. 1935

Home Federal Savings and Loan Association of Grand Island - FDIC Bank Health Profile

A community-scale look at Home Federal Savings and Loan Association of Grand Island's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$536M
Total assets
B
Health grade · Good
0.95%
Return on assets
16.3%
Tier 1 capital

Data updated July 2026

The verdict

Home Federal Savings and Loan Association of Grand Island earns a PlainBankData health grade of B (78/100), with well-capitalized at 16.29% Tier 1, 0.95% ROA, 71% efficiency ratio.

#1,706
largest of 4,313 FDIC banks by assets
60th
percentile by asset size, nationally
16.29%
Tier 1 ratio - above the 10% well-capitalized line
39th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 29476 · NE B · 78/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (78/100)
  • MID-PACK #2190/4307
  • PHOTO-FINISH Worthington Federal… · MN
  • TIER1-WELL 16.3% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-PAR 0.95% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: Worthington Federal Savings Bank, FSB, MN (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Home Federal Savings and Loan Associa…

Lowest and highest poles plus nearest scored peers outside Nebraska, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Aroostook County Fed… · ME ·…78/100Home Federal Savings… · NE ·…78/100Lawrenceburg Federal… · TN ·…78/100Paper City Savings B… · WI ·…78/100Worthington Federal… · MN · …78/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Home Federal Savings and Loan Associa… · July 2026

What Home Federal Savings and Loan Associa…'s Call Report plate shows

Home Federal Savings and Loan Association of Grand Island (FDIC Cert #29476) carries a PlainBankData health grade of B at 78/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,190 of 4,307. Tier 1 capital prints at 16.29%, clearing the 10% well-capitalized line. The Texas Ratio is 0.42%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.95%. Balance-sheet scale is $536M, 1,706th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Worthington Federal Savings Bank, FSB (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Home Federal Savings and Loan Associa…

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

Home Federal Savings and Loan Association of Grand Island's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Home Federal Savings and Loan Association of Grand Island remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nebraska banks.

How Home Federal Savings and Loan Association of Grand Island's 78/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10078/100
Home Federal Savings and Loan Association of Grand Island's composite health score
Tier 1 Capital Ratio (16.29%) 40/40
Return on Assets (ROA) (0.95%) 14/25
Texas Ratio (0.42%) 20/20
Efficiency Ratio (70.62%) 4/15

78 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$536M

Total balance-sheet footings

Total Deposits

$457M

Customer-funded liabilities

Net Loans

$425M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 14.89% 16.29% 17.69%
Basel III capital ratios - Home Federal Savings and Loan Association of Grand Island

Where Home Federal Savings and Loan Association of Grand Island ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Home Federal Savings and Loan Association of Grand Island's score of 78/100 falls in the highlighted band.

Home Federal Savings and Loan Association of Grand Island: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

78 49th percentile higher than 49% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Home Federal Savings and Loan Associa… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Home Federal Savings and Loan Association of Grand Island's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Home Federal Savings and Loan Association of Grand Island's $536M falls in the highlighted band.

Safety ratios for Home Federal Savings and Loan Associa…

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
16.29%
Texas Ratio
0.42%
Equity Capital
$70M

What these ratios mean →

Profitability metrics: Home Federal Savings and Loan Associa…

Return on Assets (ROA)
39th percentile nationally
0.95%
Return on Equity (ROE)
7.30%
Efficiency Ratio
70.62%

What these mean →

Income & expense at Home Federal Savings and Loan Associa…

$27M
Interest Income
$3M
Non-Interest Income
$15M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Home Federal Savings and Loan Association of Grand Island reports a Texas Ratio of 0.42% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.42% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Home Federal Savings and Loan Association of Grand Island on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

Top 5 banks in Nebraska ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($536M here), outside Nebraska so the neighborhood is not state containment.

First State Bank & Trust $536M · ND The Berkshire Bank $536M · NY Belgrade State Bank $535M · MO Fifth District Savings Bank $534M · LA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Home Federal Savings and Loan Association of Grand Island (FDIC Cert #29476) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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.

Home Federal Savings and Loan Association of Grand Island Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%