Central Plains Bancshares, Inc. is a holding company that owns Home Federal Savings and Loan Association, a federally-chartered savings bank serving southcentral Nebraska with a network of branch offices. The bank generates revenue primarily through net interest income, originating residential mortgage loans, commercial real estate loans, agricultural loans, and commercial non-real estate loans, while funding its lending through customer deposits in the form of checking accounts, savings accounts, money market accounts, certificates of deposit, and individual retirement accounts. The company also offers electronic banking services including mobile and online banking, and faces competition from regional banks, community banks, credit unions, and non-bank lenders in its primary market area across six Nebraska counties.