🏦Bank Scorer

This institution is no longer active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

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.38%

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%

ROE

22.92%

Risk-Based Capital

17.66%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate10.71%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202441171.05%10.71%
202350668.38%9.88%
202273372.85%7.23%
20211,01671.56%6.79%
20201,20274.63%6.24%
201990176.91%7.55%
201874274.66%7.68%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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