# HOMESTEAD BANK
COZAD, NE · FDIC certificate 11482 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $537.0M | |
| Deposits | $413.6M | |
| Loans and leases | $335.8M | |
| Total equity | $99.0M | |
| Loans / deposits | 80.21% (p46 of band) | 82.04% |
| Liquid assets / assets | 32.53% (p70 of band) | |
| Uninsured deposits / deposits | 21.48% (p34 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 4.18% (p54 of band) | |
| FHLB advances / assets | 4.18% | |
| Tier 1 leverage | 18.62% (p96 of band) | 10.81% |
| Unrealized securities loss / equity | -4.51% (p65 of band) | -8.10% |
| AOCI / equity | -0.08% (p67 of band) | |
| ROA (annualized) | 1.65% (p73 of band) | 1.28% |
| Net interest margin | 4.17% (p65 of band) | 3.91% |
| Efficiency ratio | 52.36% (p23 of band) | |
| Noncurrent loans | 0.20% (p33 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 612.44% | |
| Real estate % of loans | 50% | |
| Construction % of loans | 3.74% (p8 of band) | |
| Auto loans | $2.8M (0.84% of loans; DQ 0.04%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.3% | |
| Employees | 80 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 | capital falling | reserve under noncurrent |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | capital falling |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 2 | deposits shrinking, uninsured deposits leaving | capital falling |
| 2014-06 | 1 | reserve under noncurrent | deposits shrinking, uninsured deposits leaving |
| 2014-09 | 1 | assets shrinking | reserve under noncurrent |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | assets shrinking |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | assets shrinking |  |
| 2016-03 | 1 | deposits shrinking | assets shrinking |
| 2016-06 | 1 | reserve under noncurrent | deposits shrinking |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | noncurrent p90 |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2017-09 | 1 | reserve under noncurrent |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 1 | reserve under noncurrent |  |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 1 |  | charge-offs p90 |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | reserve under noncurrent |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | AOCI drag >20% of equity |  |
| 2022-12 | 0 |  | AOCI drag >20% of equity |
| 2023-03 | 0 |  |  |
| 2023-06 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-07 [Cozad’s Homestead Bank CEO picked as chair-elect of Nebraska Bankers Association - Central Nebraska Today](https://news.google.com/rss/articles/CBMiZkFVX3lxTFA4VXNtRHhGWl8zS2pxRnBrUi1nd2ZObkE1VVNseDR6WW5tdHYzT2VHRzJFS29hcjVFcmt3OU00YkQ5TFliLUl2aDd0MHRBSFdEQUxQd2dZTHY5aklQTTllMnVUOFlPdw?oc=5) · Central Nebraska Today
- 2009-05-22 [FBI and NOPD Seek Public’s Assistance in Identifying Bank Robber - fbi.gov](https://news.google.com/rss/articles/CBMicEFVX3lxTE5rNHl3d3RnMmRmMVI2STdwTXB5UTBxaHlZS1VBOTQ2ZTZ4S0NobUxpZ3lkcEFmeFJIU05DbUo1ajdvcF9KSnRjaGRJa0tmOXFDWmdRMEVpXzNNRFY0VFI5YURfdjB1WHQwNzFRX1N3bkk?oc=5) · fbi.gov
- 2016-12-21 [Suspects in Fatal Homestead Bank Shootout Were Brothers - NBC 6 South Florida](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQUJYNnNsb2NvUzRuenU2WVl3VXNmQ1RQaUUta3BLU0NRaWpvaDdwTmFZTGtmcHNfWXh3a1BUVjlMTEJPNE5iRmZNd1dqRHNJUVJIY2l2QnhOOGx0Y0VzWVFfTXZoVTkyQWVBNUhYZTlSa1Z1Sk16VHJudmpYajJ3WDJSVXFiRktKWFZvX0QtelBNd2RuM1R3d3U3QWZPbFZv0gGoAUFVX3lxTE9BUUEwR2JoQWF2TU5tMGNadUpOVGE3bEdPQTkwcmFySHp2OFpZT2Q3d2tYcDZjd1M2UGl4c3VCVDdRblltLUVEN3pQX0w2VERvakhHUFExR0dFUFBkQ2lVYjdnd1kwRktlR19yQlkyVUF5OEV5ZnlMX0RvVTBCMWw3ZkRfb2RaX3BHOXdGZHlZd3JrNG8zNzZQT1lLZWVtVklGbjE2d1NXbw?oc=5) · NBC 6 South Florida
- 2019-11-18 [Blake Pontchartrain: Is there a connection with Hibernia Bank and Capital One? - NOLA.com](https://news.google.com/rss/articles/CBMiiwJBVV95cUxPbUgwV2h2dFUtZ0M0dkVEY21lRnphS0ZoeHpFZzRZMlc1MFFyN0U4aWhwTjRvNWhNVUQ0LUhON2RGSDlTazF2RW1jZllVZTI5d2haSXl5cVctOGFSM2puWVRleWphQU1Ya0JnU0s0ZDc3SGI1LUQwUW1SV2NEeGFfeTFOX3I5RmhTSE9ucGFBZHVaa3NLaDdzdDQ0Nm4wT0dWYmtYNE92aXdMbE9SQS1ISkYtM1ZRV25pUmVBRlQ1UmVCR0hCYjVNaHZLS2pPaUtxUzBNN2pEa0l0RTlCYVlXc1ROQkdhUWNJa1BzQm5aSkF3RVdhUmpPcUtnTDFvTk9TMS1ZVXNHZlQyQkk?oc=5) · NOLA.com
- 2025-03-11 [Charles Carl Teamer, Sr. (1933- ) - BlackPast.org](https://news.google.com/rss/articles/CBMigAFBVV95cUxNSk1lMVlfY0NBN0YweHBqcW51eWZPRjRrXy0xNjRQWGpJaW53b21pUEFDRkpRa0o3WWg1akJRUzdEUzFOS2I2MWtKeElUZzk3c0FoUXVVRm93YnFDOEpmak5EOHczNnZBSE9hSEpRMTBTanMxbHFWcmtETlZHajNqMQ?oc=5) · BlackPast.org
- 2015-01-14 [Building of the Day: 1117 Eastern Parkway - brownstoner.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUklWQlNJTUNiMTlEY1U3ZXQ2UVMzMTMzM0kxUlhQZjRCejh6VmlJNnBNZHc3V29jSm55N0RVWDBMemdzeERsN1hKUG9LYUNtS3FrN1R6aVFXaWx5Y2pQQXc4c1pOUFAydWs2dVhjSi1hM1g2SUFldF9KS0VfbVF1c2ZaS2xZTjNQZEE?oc=5) · brownstoner.com
- 2016-12-20 [Shooting near Homestead TD Bank injures 2, kills another - WSVN](https://news.google.com/rss/articles/CBMioAFBVV95cUxOMlVrTGR3LU40VkZzRWlyRzBfQkpwLUZ3T093cjlIWC1HbEVPd3FjeU1naWdpb1U2WENsZldSTjA1RkhtVzFhQTJZbWFHcUdYdkdNRkhKS0VGZzB1MjhpT2RWV01MV2lla0s0YVE3aXhJLUtqLVlPR1dzWjM2YTZ5UnpwX1g1aHdEZk9ybG5ydjROeTB5blBocmVkM1E1bEJl?oc=5) · WSVN
- 2018-01-12 [New Orleans man faces federal charges in bank robbery on S. Carrollton - NOLA.com](https://news.google.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?oc=5) · NOLA.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11482 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/26.json (key "11482", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide