Home Federal Savings and Loan Association of Grand Island

221 South Locust Street
Grand Island, NE 68801

 

2019 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 29476
Date Established 1935
Assets $0.28 billion
Loans $0.18 billion
Deposits $0.24 billion
Capital $0.03 billion

Home Federal Savings and Loan Association of Grand Island is an FDIC insured institution located in Grand Island, NE. It was founded in 1935 and has approximately $0.28 billion in assets. Customers can open an account at one of its 7 branches.

For a more detailed analysis of Home Federal Savings and Loan Association of Grand Island's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Home Federal Savings and Loan Association of Grand Island’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Commercial and Industrial Loans.

Compared to other banks in Nebraska, Home Federal Savings and Loan Association of Grand Island has a significantly higher percent of Multifamily Mortgages, Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 25.48
Multifamily
Mortgages
7.78
Credit Card Loans 0.00
Consumer Auto Loans 3.42
Small Business Loans 14.46
Construction and Development Loans 7.88
Commercial Real Estate 29.81
Commercial and Industrial Loans 15.07
Farm Loans 6.40

Deposit Rates - April 19, 2019

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Money Market
0.35% $2,500 $29,999 Learn MoreShow Less
CD Rates APY MIN MAX
3 Mo CD
0.25% $10,000 - Learn MoreShow Less
6 Mo CD
0.50% $10,000 - Learn MoreShow Less
12 Mo CD
1.10% $10,000 - Learn MoreShow Less
Special: 15 Mo CD
2.11% $1,000 - Learn MoreShow Less
18 Mo CD
1.10% $10,000 - Learn MoreShow Less
24 Mo CD
1.40% $10,000 - Learn MoreShow Less
30 Mo CD
1.40% $10,000 - Learn MoreShow Less
Special: 31 Mo CD
2.45% $1,000 - Learn MoreShow Less
36 Mo CD
1.75% $10,000 - Learn MoreShow Less
Special: 44 Mo CD
2.55% $1,000 - Learn MoreShow Less
48 Mo CD
1.85% $10,000 - Learn MoreShow Less
60 Mo CD
1.85% $10,000 - Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
Fixed IRA
1.10% $1,000 $2,499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1,000 - Learn MoreShow Less

Loan Rates - April 19, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Home Federal Savings and Loan Association of Grand Island

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info

Note to Home Federal Savings and Loan Association of Grand Island
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Branches

Home Federal Savings and Loan Association of Grand Island branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Home Federal Savings and Loan Association of Grand Island Locations


Financial Details

Home Federal Savings and Loan Association of Grand Island Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Home Federal Savings and Loan Association of Grand Island. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Home Federal Savings and Loan Association of Grand Island U.S. Bank Average
2.97% 6.97%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of December 31, 2018, Home Federal Savings and Loan Association of Grand Island had $1,094,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $33,072,000 in equity and $3,750,000 in loans loss reserves. That gives it a Texas Ratio of 2.97%.

Return on Equity
Home Federal Savings and Loan Association of Grand Island U.S. Bank Average
4.21% 8.80%

Home Federal Savings and Loan Association of Grand Island has a Return on Equity of 4.21% versus the BestCashCow average of 8.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Home Federal Savings and Loan Association of Grand Island U.S. Bank Average
11.73% 12.29%

Home Federal Savings and Loan Association of Grand Island has a Capitalization of 11.73% versus the BestCashCow average of 12.29. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Home Federal Savings and Loan Association of Grand Island Balance Sheet Analysis

As of December 31, 2018, Home Federal Savings and Loan Association of Grand Island had assets of $282,020,000, loans of $176,887,000, and deposits of $241,920,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

December 31, 2018
ASSETS
Cash & Balances due from depository institutions $0.02 billion
Interest-bearing balances $0.01 billion
Total securities $0.07 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.18 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.01 billion
     Total Assets $0.25 billion
LIABILITIES
Total deposits $0.24 billion
      Interest-bearing deposits $0.20 billion
      Deposits held in domestic offices $0.24 billion
      % insured (estimated) 85.25%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.01 billion
      Total Liabilities $0.25 billion
      Shareholders’ Equity $0.03 billion

Summary Income Statement

December 31, 2018
INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Home Federal Savings And Loan Association Of Grand Island

Branches and Savings

Is Home Federal Savings And Loan Association Of Grand Island FDIC insured?

Yes. It is covered under FDIC Certificate #29476.

Why does Home Federal Savings And Loan Association Of Grand Island pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Home Federal Savings And Loan Association Of Grand Island CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Home Federal Savings And Loan Association Of Grand Island a commercial bank?

Yes

Where are Home Federal Savings And Loan Association Of Grand Island locations?

See branch locations nearby.

Is Home Federal Savings And Loan Association Of Grand Island open on Saturdays?

Is Home Federal Savings And Loan Association Of Grand Island open on Sundays?

What time does Home Federal Savings And Loan Association Of Grand Island open?

What time does Home Federal Savings And Loan Association Of Grand Island close?

Are Home Federal Savings And Loan Association Of Grand Island ATMs Open 24/7?

Do Home Federal Savings And Loan Association Of Grand Island ATMs accept cash deposits?

Can Home Federal Savings And Loan Association Of Grand Island customers use other ATMs?

Do Home Federal Savings And Loan Association Of Grand Island branches have notaries?

Will Home Federal Savings And Loan Association Of Grand Island notarize my document?

What address for Home Federal Savings And Loan Association Of Grand Island should I put for incoming ACH transfers?

Will the Home Federal Savings And Loan Association Of Grand Island branch print checks?

Do Home Federal Savings And Loan Association Of Grand Island checks expire?

Does Home Federal Savings And Loan Association Of Grand Island require US citizenship to open account?

Can Home Federal Savings And Loan Association Of Grand Island close my account?

Does Home Federal Savings And Loan Association Of Grand Island Report to credit bureaus?

Does Home Federal Savings And Loan Association Of Grand Island Use Equifax?

What is Home Federal Savings And Loan Association Of Grand Island's ACH Routing Number?

What is Home Federal Savings And Loan Association Of Grand Island's SWIFT code?

Products

Does Home Federal Savings And Loan Association Of Grand Island offer mortgages?

Compare mortgage rates here.

Does Home Federal Savings And Loan Association Of Grand Island offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Home Federal Savings And Loan Association Of Grand Island offer personal loans?

Compare personal loan rates here.

Does Home Federal Savings And Loan Association Of Grand Island offer student loans?

Will Home Federal Savings And Loan Association Of Grand Island cash a check?

Will Home Federal Savings And Loan Association Of Grand Island redeem a savings bond?

Does Home Federal Savings And Loan Association Of Grand Island cash savings bonds?

Will Home Federal Savings And Loan Association Of Grand Island cash money orders?

Can Home Federal Savings And Loan Association Of Grand Island issue a money order?

Does Home Federal Savings And Loan Association Of Grand Island do currency exchange?

Background on The Bank

Who owns Home Federal Savings And Loan Association Of Grand Island?

How long has Home Federal Savings And Loan Association Of Grand Island been around?

Can Home Federal Savings And Loan Association Of Grand Island transfer to other banks?

Does Home Federal Savings And Loan Association Of Grand Island have quick pay?

Does Home Federal Savings And Loan Association Of Grand Island accept rolled coins?

Will Home Federal Savings And Loan Association Of Grand Island accept loose change?

Where is Home Federal Savings And Loan Association Of Grand Island headquarters?

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