TellerScore

Headquartered in Grand Island, Nebraska, Home Federal Savings and Loan Association of Grand Island is a savings bank with $562.9M in total assets and $482.1M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1935.

Based on its Q2 2026 filing, Home Federal Savings and Loan Association of Grand Island scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 42nd. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is earnings (60/100; 1.01%).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Tier 1 leverage ratio: 13.38%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings60/100
Return on assets (annualized): 1.01%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 91.7% · 18.7% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.08%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (79 → 80).

TellerScore
717782Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202480
Q4 202471
Q1 202577
Q2 202579
Q3 202581
Q4 202582
Q1 202676
Q2 202680
Tier 1 leverage ratio
5.00%9.52%14.05%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202413.84%
Q3 202413.87%
Q4 202413.77%
Q1 202513.75%
Q2 202513.76%
Q3 202514.05%
Q4 202513.96%
Q1 202613.45%
Q2 202613.38%
Noncurrent loans
0.07%0.55%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.16%
Q3 20240.17%
Q4 20241.02%
Q1 20250.36%
Q2 20250.15%
Q3 20250.12%
Q4 20250.07%
Q1 20260.42%
Q2 20260.19%
Return on assets
0.76%0.88%1.01%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.87%
Q3 20240.88%
Q4 20240.89%
Q1 20250.78%
Q2 20250.89%
Q3 20250.90%
Q4 20250.95%
Q1 20260.76%
Q2 20261.01%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$562.9M13.38%0.19%1.01%91.7%
Q1 202676$558.4M13.45%0.42%0.76%92.8%
Q4 202582$535.7M13.96%0.07%0.95%93.0%
Q3 202581$510.0M14.05%0.12%0.90%98.1%
Q2 202579$500.9M13.76%0.15%0.89%97.7%
Q1 202577$508.5M13.75%0.36%0.78%91.5%
Q4 202471$484.1M13.77%1.02%0.89%96.9%
Q3 202480$482.0M13.87%0.17%0.88%96.1%
Q2 202480$466.4M13.84%0.16%0.87%97.3%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.38%
78th
Total risk-based capital17.63%
80th
Problem loans0.19%
66th
Net charge-offs-0.01%
90th
Return on assets1.01%
34th
Net interest margin3.75%
40th
Efficiency ratio65.9%
40th
Loans to deposits91.7%
23rd
Uninsured deposits18.7%
69th
Loan-loss reserves1.32%
64th
Texas ratio1.1%
68th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
RVR BankBank Fremont, NE78 out of 100, Strong$570.2M9.8%0.16%vs
Enterprise BankBank Omaha, NE70 out of 100, Strong$574.0M11.1%0.00%vs
Five Points Bank of HastingsBank Hastings, NE72 out of 100, Strong$551.7M10.9%0.11%vs
Nebraska BankBank Dodge, NE73 out of 100, Strong$551.6M11.4%0.43%vs
Horizon BankBank Waverly, NE87 out of 100, Very strong$574.3M14.0%0.46%vs
Charter West BankBank West Point, NE68 out of 100, Moderate$547.9M9.3%0.26%vs

Deposit insurance

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 an FDIC-insured institution (FDIC certificate #29476). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.7% of deposits ($89.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.38%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.63% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Home Federal Savings and Loan Association of Grand Island lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Home Federal Savings and Loan Association of Grand Island reported 263 home-loan applications under HMDA (LEI 254900IL7D0ACZ6YVF12): 213 originated ($41,615,000 total), 23 denied, and 23 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Home Federal Savings and Loan Association of Grand Island
Former names
Home Federal Savings and Loan Association
Type
Savings bank
FDIC certificate #
29476
RSSD ID
317379
Primary regulator
OCC
Holding company
Central Plains Bancshares Inc
Established
June 1, 1935
Headquarters
221 S Locust St, Grand Island, NE 68801
Employees
72

Quick answers

Home Federal Savings and Loan Association of Grand Island: common questions

Is Home Federal Savings and Loan Association of Grand Island FDIC insured?

Yes. Home Federal Savings and Loan Association of Grand Island is an FDIC-insured institution (FDIC certificate #29476). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Home Federal Savings and Loan Association of Grand Island's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Home Federal Savings and Loan Association of Grand Island ever failed?

There is no failure record for FDIC certificate #29476 in the FDIC failed bank list.

How many branches does Home Federal Savings and Loan Association of Grand Island have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Grand Island

InstitutionScoreAssetsCapitalProblem loansCompare
Boelus State BankBank Boelus, NE95 out of 100, Very strong$24.4M15.0%0.00%vs
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Adams County BankBank Kenesaw, NE83 out of 100, Strong$241.1M11.8%0.00%vs
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
Five Points BankBank Grand Island, NE76 out of 100, Strong$2.2B10.3%0.01%vs