Homestead Bank (FDIC #11482): Bank Stress & Real-Estate Credit Exposure
Homestead Bank (FDIC Cert #11482): bank stress 28/100, contained, STABLE over 7 days; parent C S B CO.
Homestead Bank (#11482) lends in 7 counties across 1 state; Homestead Bank (#11482) reaches 52 ZIP codes: Nebraska 7 counties, 52 ZIPs.
Homestead Bank (#11482) largest markets: Dawson County, NE (24 branches, 12 ZIPs) (#11482), Howard County, NE (11 branches, 11 ZIPs) (#11482), Greeley County, NE (8 branches, 8 ZIPs) (#11482), Boone County, NE (8 branches, 8 ZIPs) (#11482), Colfax County, NE (21 branches, 7 ZIPs) (#11482), Dawes County, NE (6 branches, 6 ZIPs) (#11482).
Homestead Bank (#11482) reports $537.0 million in total assets; Homestead Bank (#11482) equity $99.0 million (18.4% of Homestead Bank (#11482) assets); Homestead Bank (#11482) domestic deposits $413.6 million; Homestead Bank (#11482) net income $4.4 million; Homestead Bank (#11482) return on assets 1.65%; Homestead Bank (#11482) return on equity 9.03%; Homestead Bank (#11482) net interest income $10.2 million; Homestead Bank (#11482) call report June 30, 2026.
Homestead Bank (#11482) noncurrent real-estate loans: none reported; Homestead Bank (#11482) net charge-offs on real estate 0.37%; Homestead Bank (#11482) residential charge-offs 2.91%.
Homestead Bank (#11482) net interest margin 4.17% against an eight-quarter Homestead Bank (#11482) average of 3.92% (Homestead Bank (#11482) compression -0.24 points); Homestead Bank (#11482) non-residential real estate 291.3% of equity; Homestead Bank (#11482) rate-exposure score 40/100, Homestead Bank (#11482) fixed-rate trap 40/100; Homestead Bank (#11482) risk type rate trapped; Homestead Bank (#11482) rate regime rates elevated, Homestead Bank (#11482) snapshot October 19, 2026.
Homestead Bank (#11482) stress score moved from 26 on June 22, 2026 to 27.8 on October 20, 2026; Homestead Bank (#11482) ranged 26 to 27.8 over 117 snapshots.
Homestead Bank (#11482) alerts: 7 counties; top Homestead Bank (#11482) alert scores: Ainsworth County, NE 14 (low); Albion County, NE 14 (low); Chadron County, NE 14 (low); Lexington County, NE 14 (low); Saint Paul County, NE 14 (low).