Homestead Bank vs First Central Bank
Comparing a Bank in Cozad, NE with a Bank in Cambridge, NE using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Homestead Bank ↗ Bank · Cozad, NE · Est. 1905 | First Central Bank ↗ Bank · Cambridge, NE · Est. 1907 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Cozad, NE | Cambridge, NE |
| Total assets | $530.5M | $137.6M |
| Capital ratio | 18.2% | 11.5% |
| Return on assets | 1.7% | 1.3% |
| Deposits | $408.1M | $116.0M |
| Branches | 11 | 3 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 139 | #1 of 139 |
| Established | 1905 | 1907 |
Homestead Bank
- Assets: $530.5M
- Deposits: $408.1M
- Capital ratio: 18.2%
- Return on assets: 1.7%
- CFPB complaints: 0
- State rank: #3 of 139
First Central Bank
- Assets: $137.6M
- Deposits: $116.0M
- Capital ratio: 11.5%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #1 of 139
Are both institutions federally insured?
Yes. Homestead Bank is FDIC-insured and First Central Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Homestead Bank or First Central Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Homestead Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Homestead Bank safe?
Yes — Homestead Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is First Central Bank safe?
Yes — First Central Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Homestead Bank vs First Central Bank?
Homestead Bank has a capital ratio of 18.2%, placing it in the top 4% of $100M–1B peers. First Central Bank's ratio is 11.5%, placing it in the top 32% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Homestead Bank have compared to First Central Bank?
The CFPB database shows 0 complaints against Homestead Bank, and 0 complaints against First Central Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Homestead Bank with other Banks in Nebraska
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
