Home Federal Savings and Loan Association of Nebraska

Headquarters

201 W 7th Street
Lexington, NE 68850
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Home Federal Savings and Loan Association of Nebraska is an FDIC insured institution located in Lexington, NE. It was founded in 1954 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 30695
Date Established 1954
Assets $ 55.52 million
Loans $ 44.39 million
Deposits $ 44.42 million
Capital $ 5.79 million
 

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

Deposit Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828


Loan Rates - September 23, 2020

Your Current Location: Connecticut, CT 06828

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

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




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Note to Home Federal Savings and Loan Association of Nebraska
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Branches

Home Federal Savings and Loan Association of Nebraska 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:
Fairfield,Connecticut


Home Federal Savings and Loan Association of Nebraska Locations


Financial Details

Home Federal Savings and Loan Association of Nebraska 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 Nebraska. 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 Nebraska U.S. Bank Average
3.29% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, Home Federal Savings and Loan Association of Nebraska had $212,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $5,794,000 in equity and $646,000 in loans loss reserves. That gives it a Texas Ratio of 3.29%.

Return on Equity
Home Federal Savings and Loan Association of Nebraska U.S. Bank Average
-3.51% 7.80%

Home Federal Savings and Loan Association of Nebraska has a Return on Equity of -3.51% versus the BestCashCow average of 7.80%. 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 Nebraska U.S. Bank Average
10.44% 12.68%

Home Federal Savings and Loan Association of Nebraska has a Capitalization of 10.44% versus the BestCashCow average of 12.68. 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 Nebraska Balance Sheet Analysis

As of March 31, 2015, Home Federal Savings and Loan Association of Nebraska had assets of $56,065,000, loans of $44,387,000, and deposits of $44,417,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 44.39 million
Loan loss allowance $ 0.65 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 44.42 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 55.52 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

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

Compared to other banks in Nebraska, Home Federal Savings and Loan Association of Nebraska has a significantly higher percent of 1-4 Family Residential Loans, Consumer Auto Loans, Small Business Loans 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 26.75
Multifamily
Mortgages
0.93
Credit Card Loans 0.00
Consumer Auto Loans 24.93
Small Business Loans 12.40
Construction and Development Loans 0.00
Commercial Real Estate 13.36
Commercial and Industrial Loans 7.73
Farm Loans 7.22

Frequently Asked Questions About Home Federal Savings And Loan Association Of Nebraska

Branches and Savings

Is Home Federal Savings And Loan Association Of Nebraska FDIC insured?

Yes. It is covered under FDIC Certificate #30695.

Why does Home Federal Savings And Loan Association Of Nebraska 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 Nebraska 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 Nebraska a commercial bank?

Yes

Where are Home Federal Savings And Loan Association Of Nebraska locations?

See branch locations nearby.

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

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

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

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

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

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

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

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

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

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

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

Do Home Federal Savings And Loan Association Of Nebraska checks expire?

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

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

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

Does Home Federal Savings And Loan Association Of Nebraska Use Equifax?

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

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

Products

Does Home Federal Savings And Loan Association Of Nebraska offer mortgages?

Compare mortgage rates here.

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

Compare personal loan rates here.

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

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

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

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

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

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

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

Background on The Bank

Who owns Home Federal Savings And Loan Association Of Nebraska?

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

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

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

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

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

Where is Home Federal Savings And Loan Association Of Nebraska headquarters?

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