Homestead Bank is a bank based in Cozad, Nebraska, established in 1905, with $530 million in total assets across 11 branches. By Trust Grade it ranks 3rd of 139 banks we track in Nebraska. Its capital ratio of 18.2% is stronger than 96% of similarly sized banks, versus a Nebraska median of 10.8%. It was profitable over the most recent period, with a 1.70% return on assets. No consumer complaints against Homestead Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Homestead Bank compares to Nebraska peers
How we graded Homestead Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (18.2% capital ratio)
- Strongly profitable (ROA 1.70%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Homestead Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (11)
- 202 Main St, Chadron, NE 69337
- 141 S 3rd St, Howells, NE 68641
- 156 N Main St, Ainsworth, NE 69210
- 715 W 16th St, Schuyler, NE 68661
- 202 E 7th St, Lexington, NE 68850
- 407 W State St, Albion, NE 68620
- 317 N Main St, Ainsworth, NE 69210
- 619 Grand St, St. Paul, NE 68873
- 1123 B St, Schuyler, NE 68661
- 309 Center Ave, Wolbach, NE 68882
- 915 Meridian Ave, Cozad, NE 69130
Are deposits at Homestead Bank insured?
Yes. Homestead Bank is an FDIC-insured bank (FDIC certificate #11482). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Homestead Bank: frequently asked questions
Is Homestead Bank a good bank?
Homestead Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (18.2% capital ratio); Strongly profitable (ROA 1.70%).
Is Homestead Bank FDIC-insured?
Yes. Homestead Bank is a FDIC-insured bank (FDIC certificate #11482). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Homestead Bank?
Homestead Bank holds $530 million in total assets, ranking 3rd of 139 banks we track in Nebraska. It operates 11 branches.
Does Homestead Bank have CFPB complaints?
No CFPB complaints against Homestead Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
