South Central State Bank
Campbell, NE · Cert 16707 · Peer group: banks under $1B in assets in NE (n=83) · Campbell State Co.
State charter, non-member · FDIC · 5 branches
Q2 2026
$192.1MAssets
$131.5MLoans
$153.6MDeposits
$29.2MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in NE (rank 19 of 83).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets in NE (rank 74 of 83).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.44%
Rank 6 of 83
Net Interest Margin
4.51%
Rank 6 of 83
Efficiency Ratio
43.62%
Rank 9 of 83
Equity / Assets
15.18%
Rank 15 of 83
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 90% 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 | 2.44% | 0.93% | 1.20% | 1.51% | Beats 93% | 6 / 83 | | |
| Return on Equity | 16.07% | 8.04% | 10.34% | 13.11% | Beats 93% | 6 / 83 | | |
| Net Interest Margin | 4.51% | 3.25% | 3.62% | 4.02% | Beats 93% | 6 / 83 | | |
| Efficiency Ratio | 43.62% | 51.13% | 59.95% | 67.19% | Beats 90% | 9 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.19% | 0.96% | Beats 100% | 19 / 83 | | |
| Net Charge-Offs / Loans | 0.08% | n/a | 0.00% | 0.02% | Beats 12% | 74 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 15.11% | 10.94% | 13.24% | 16.62% | Beats 64% | 30 / 83 | | |
| Total Risk-Based Capital Ratio | 15.78% | 11.04% | 13.54% | 17.63% | Beats 65% | 29 / 83 | | |
| Equity / Assets | 15.18% | 9.90% | 11.31% | 13.84% | Beats 82% | 15 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.60% | 71.97% | 83.15% | 92.22% | 53rd pctl | 39 / 83 | | |
| Loans / Assets | 68.43% | 57.96% | 69.15% | 77.64% | 47th pctl | 44 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |