Homestead Bank
Cozad, NE
IDRSSD: 140157
Total Assets
$521.78M
Latest filing
Total Deposits
$399.75M
Latest filing
Net Interest Margin
4.32%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104902376COZAD, NE
Key People
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Locations
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Main Office
Homestead Bank
915 Meridian Ave
Cozad, NE 69130
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 7338
Branches (10)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Homestead Bank (Main) | 915 Meridian Ave | Cozad, NE |
| CHADRON BRANCH | 202 Main St | Chadron, NE |
| HOWELLS BRANCH | 141 S 3rd St | Howells, NE |
| DRIVE-UP FACILITY | 156 N Main St | Ainsworth, NE |
| DRIVE-THRU SCHUYLER | 715 W 16th St | Schuyler, NE |
| LEXINGTON BRANCH | 202 E 7th St | Lexington, NE |
| ALBION BRANCH | 407 W State St | Albion, NE |
| AINSWORTH BRANCH | 317 N Main St | Ainsworth, NE |
Showing 7 of 10
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 69130 |
| State and County Number | 31047 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Lexington, NE |
Operational Info
| Number of Employees | 76 |
| Domestic Offices | 11 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/08/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.homestead.bank |
| Data Updated | 01/30/2026 |
| CERT | 11482 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $521.78M |
| Total Deposits | $399.75M |
| Total Liabilities | $426.86M |
| Total Equity Capital | $94.92M |
| Net Income | $2.30M |
| Net Loans and Leases | $368.02M |
| Assets Per Employee ($Millions) | $6.52M |
| Bank Premises and Fixed Assets | $9.77M |
| Cash and Balances due from Depository Institutions | $16.76M |
| Deposits Held in Domestic Offices | $399.75M |
Key Performance Ratios
| Return on Assets (ROA) | 1.78% |
| Return on Equity (ROE) | 9.85% |
| Net Interest Margin | 4.32% |
| Efficiency Ratio | 51.23% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 18.191% |
| Earning Assets to total Assets | 92.61% |
Income and Expense
| Total Interest Income | $6.82M |
| Total Noninterest Income | $743.00k |
| Total Interest Expense | $1.61M |
| Total Noninterest Expense | $3.05M |
| Net Interest Income | $5.20M |
| Pre-tax Net Operating Income | $2.90M |
| Provision for Credit Losses | $1.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $24.67M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.45M |
| Total Liabilities and Capital | $521.78M |
Securities
| Securities | $111.80M |
| Available-for-sale debt securities | $111.80M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Homestead Bank?
$521.78M as of the latest filing.
How much are Homestead Bank's total deposits?
$399.75M in total deposits.
Where is Homestead Bank located?
Cozad, NE.
What is the Net Interest Margin?
4.32%.
How many domestic offices does it operate?
11.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.78%.
How much are total loans and leases?
$368.02M (latest filing).
What is the total interest income (latest filing)?
$6.82M.