This institution is no longer active

Operations ceased on April 3, 1998. CRA examination history below reflects the period it was active.

THE HOME BANK

ELWOOD, NE · Supervised by FDIC

Est. 1910FDIC #8,340RSSD: FDIC-8340

Satisfactory Same

Current rating · Exam: September 1995

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.38%

Is this bank safe?

THE HOME BANK holds a Satisfactory CRA rating (1995), is financially strong (ROA +2.38%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

Main Street, ELWOOD, NE

County

Gosper County

Established

September 1, 1910

Total Assets

$10M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 30 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 1998Call Report / FDIC

Total Assets

$10M

Total Deposits

$9M

Net Loans

$7M

Net Income

$60K

ROA

2.38%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.92%

Risk-Based Capital

17.66%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.38%Peer avg: 0.44%▲ Above avg

Risk-Based Capital17.66%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate10.71%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	411	71.05%	10.71%
2020	1,202	74.63%	6.24%
2019	901	76.91%	7.55%
2018	742	74.66%	7.68%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 1995	Satisfactory	Not Reported
Sep 1993	Satisfactory	Not Reported
Sep 1991	Outstanding	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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