Headquartered in Cozad, Nebraska, Homestead Bank is a state-chartered bank with $537.0M in total assets and $413.6M in deposits as of Q2 2026. It operates 11 offices. Its charter dates back to 1905.
Based on its Q2 2026 filing, Homestead Bank scores 91/100, which we describe as very strong. That is higher than 96% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 9th. Its strongest component is capital cushion (100/100; 18.62%), and its lowest is funding & liquidity (73/100; 80% loans-to-deposits, 21% uninsured).
TellerScore · Q2 2026
Scorecard
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 (90 → 91).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 88 |
| Q4 2024 | 83 |
| Q1 2025 | 72 |
| Q2 2025 | 90 |
| Q3 2025 | 89 |
| Q4 2025 | 89 |
| Q1 2026 | 90 |
| Q2 2026 | 91 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.60% |
| Q3 2024 | 16.98% |
| Q4 2024 | 16.92% |
| Q1 2025 | 17.13% |
| Q2 2025 | 17.60% |
| Q3 2025 | 18.04% |
| Q4 2025 | 17.95% |
| Q1 2026 | 18.19% |
| Q2 2026 | 18.62% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.31% |
| Q3 2024 | 0.14% |
| Q4 2024 | 0.68% |
| Q1 2025 | 2.09% |
| Q2 2025 | 0.23% |
| Q3 2025 | 0.32% |
| Q4 2025 | 0.27% |
| Q1 2026 | 0.35% |
| Q2 2026 | 0.20% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.22% |
| Q3 2024 | 1.21% |
| Q4 2024 | 1.30% |
| Q1 2025 | 1.49% |
| Q2 2025 | 1.53% |
| Q3 2025 | 1.52% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.70% |
| Q2 2026 | 1.65% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 91 | $537.0M | 18.62% | 0.20% | 1.65% | 80.2% |
| Q1 2026 | 90 | $530.5M | 18.19% | 0.35% | 1.70% | 84.4% |
| Q4 2025 | 89 | $521.8M | 17.95% | 0.27% | 1.59% | 92.1% |
| Q3 2025 | 89 | $514.5M | 18.04% | 0.32% | 1.52% | 83.8% |
| Q2 2025 | 90 | $512.6M | 17.60% | 0.23% | 1.53% | 85.4% |
| Q1 2025 | 72 | $515.7M | 17.13% | 2.09% | 1.49% | 85.2% |
| Q4 2024 | 83 | $508.5M | 16.92% | 0.68% | 1.30% | 89.1% |
| Q3 2024 | 88 | $502.8M | 16.98% | 0.14% | 1.21% | 82.5% |
| Q2 2024 | 87 | $499.2M | 16.60% | 0.31% | 1.22% | 86.0% |
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).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Charter West BankBank West Point, NE | 68 out of 100, Moderate | $547.9M | 9.3% | 0.26% | vs |
| Equitable BankBank Grand Island, NE | 72 out of 100, Strong | $523.5M | 10.4% | 0.01% | vs |
| Nebraska BankBank Dodge, NE | 73 out of 100, Strong | $551.6M | 11.4% | 0.43% | vs |
| Five Points Bank of HastingsBank Hastings, NE | 72 out of 100, Strong | $551.7M | 10.9% | 0.11% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| RVR BankBank Fremont, NE | 78 out of 100, Strong | $570.2M | 9.8% | 0.16% | vs |
Deposit insurance
Is my money safe at Homestead Bank?
Yes. Homestead Bank is an FDIC-insured institution (FDIC certificate #11482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.5% of deposits ($88.9M) 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 18.62%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
11 locations
Branches
Homestead Bank lists 10 offices in 10 cities. Most locations:
- Ainsworth, NE (1)
- Albion, NE (1)
- Chadron, NE (1)
- Cozad, NE (1)
- Howells, NE (1)
- Lexington, NE (1)
- Randolph, NE (1)
- Schuyler, NE (1)
- St. Paul, NE (1)
- Wolbach, NE (1)
Identity & history
Profile
- Legal name
- Homestead Bank
- Former names
- The Cozad State Bank; Cozad State Bank and Trust Company
- Type
- State-chartered bank
- FDIC certificate #
- 11482
- RSSD ID
- 140157
- Primary regulator
- FDIC
- Holding company
- C S B Co
- Established
- January 1, 1905
- Headquarters
- 915 Meridian Ave, Cozad, NE 69130
- Website
- www.homestead.bank
- Employees
- 80
Quick answers
Homestead Bank: common questions
Is Homestead Bank FDIC insured?
Yes. Homestead Bank is an FDIC-insured institution (FDIC certificate #11482). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Homestead Bank's TellerScore?
91 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Homestead Bank ever failed?
There is no failure record for FDIC certificate #11482 in the FDIC failed bank list.
How many branches does Homestead Bank have?
11 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cozad
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Eddyville CooperativeCredit union Eddyville, NE | 90 out of 100, Very strong | $2.2M | 18.3% | 0.00% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| Waypoint BankBank Cozad, NE | 75 out of 100, Strong | $391.5M | 10.9% | 0.59% | vs |
| Pinnacle BankBank Lincoln, NE | 74 out of 100, Strong | $9.2B | 9.9% | 0.07% | vs |
| Security First BankBank Lincoln, NE | 65 out of 100, Moderate | $2.3B | 8.3% | 0.17% | vs |