Sandhills State Bank
North Platte, NE · Cert 13892 · Peer group: banks under $1B in assets in NE (n=83) · Sandhills Finl Services LLC
State charter, non-member · FDIC · 10 branches
Q2 2026
$382.8MAssets
$278.4MLoans
$347.1MDeposits
$33.9MEquity
Executive Summary
- Strongest standing: return on equity outperforms 84% of banks under $1B in assets in NE (rank 13 of 83).
- Widest gap: equity / assets trails 94% of banks under $1B in assets in NE (rank 78 of 83).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.22%
Rank 39 of 83
Net Interest Margin
3.87%
Rank 26 of 83
Efficiency Ratio
59.32%
Rank 40 of 83
Equity / Assets
8.86%
Rank 78 of 83
Non-interest income vs. expense
Unfavorable gap of $8.3M · efficiency ratio beats 53% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.93% | 1.20% | 1.51% | Beats 53% | 39 / 83 | | |
| Return on Equity | 13.73% | 8.04% | 10.34% | 13.11% | Beats 84% | 13 / 83 | | |
| Net Interest Margin | 3.87% | 3.25% | 3.62% | 4.02% | Beats 69% | 26 / 83 | | |
| Efficiency Ratio | 59.32% | 51.13% | 59.95% | 67.19% | Beats 53% | 40 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.16% | 0.00% | 0.19% | 0.96% | Beats 54% | 39 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 58% | 36 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 10.78% | 10.94% | 13.24% | 16.62% | Beats 22% | 65 / 83 | | |
| Total Risk-Based Capital Ratio | 11.82% | 11.04% | 13.54% | 17.63% | Beats 33% | 56 / 83 | | |
| Equity / Assets | 8.86% | 9.90% | 11.31% | 13.84% | Beats 6% | 78 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.22% | 71.97% | 83.15% | 92.22% | 41st pctl | 49 / 83 | | |
| Loans / Assets | 72.75% | 57.96% | 69.15% | 77.64% | 58th pctl | 35 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |