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South Central State Bank

Campbell, NE · Cert 16707 · Campbell State Co.

State charter, non-member · FDIC · 5 branches

Q2 2026

$192.1MAssets
$131.5MLoans
$153.6MDeposits
$29.2MEquity
Loan mix
97%RE $94.3M1%C&I $1.2M1%Consumer $1.4MQ3 2024Q2 2026
Deposit mix
79%Interest-bearing $121.4M21%Noninterest $32.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 2.40%, up 21 bps year over year; NIM at 4.51%.
  • Asset quality: problem loans at 0.00% of loans (-228 bps YoY), with net charge-offs at 0.16%.
  • Capital: tier 1 leverage ratio of 15.15%, up 105 bps from a year ago.
  • Funding: loans stand at 85.60% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

2.40%+21 bps YoY

Net Interest Margin (YTD, annualized)

4.51%+32 bps YoY

Efficiency Ratio (YTD, annualized)

43.62%+253 bps YoY

Tier 1 Leverage Ratio

15.15%+105 bps YoY

NIM

5.59%Q2 ’245.90%Q2 ’255.97%Q2 ’26+10%+8%

Non-interest income vs. expense

1.70%Q2 ’241.80%Q2 ’252.05%Q2 ’26+6%+16%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.95%1.93%2.10%2.19%2.19%2.10%2.38%2.40%+21 bps
Return on Equity15.96%15.75%16.21%16.36%15.90%15.41%16.84%16.61%+25 bps
Net Interest Margin3.80%3.77%3.94%4.19%4.32%4.33%4.42%4.51%+32 bps
Efficiency Ratio43.52%43.72%40.77%41.09%42.83%43.97%39.58%43.62%+253 bps
Non-Interest Burden1.55%1.52%1.47%1.60%1.73%1.79%1.63%1.86%+26 bps
Growth
Asset Growth (YoY)8.82%4.88%0.97%-5.22%-8.25%-0.81%-1.28%0.75%+598 bps
Loan Growth (YoY)20.85%9.86%-0.03%-6.61%-8.75%3.81%0.81%4.81%+1,142 bps
Deposit Growth (YoY)3.10%-5.21%-4.65%2.09%3.15%4.02%0.85%0.30%-179 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.62%0.70%2.28%0.70%0.60%0.00%0.00%-228 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.34%0.16%+16 bps
Allowance / Loans0.86%0.91%1.04%1.03%1.00%0.87%0.95%0.91%-13 bps
Allowance Coverage of NPLsn/a1.5x1.5x0.5x1.4x1.5xn/an/an/a
Capital
Tier 1 Leverage Ratio13.16%12.76%13.31%14.11%14.85%14.43%14.70%15.15%+105 bps
Total Risk-Based Capital14.30%13.51%15.39%15.28%16.27%14.49%16.45%15.78%+50 bps
Equity / Assets12.63%12.16%13.82%14.22%14.97%13.17%15.14%15.18%+96 bps
Liquidity & Funding
Loans / Deposits93.37%94.34%78.63%81.91%82.61%94.15%78.60%85.60%+369 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/a197.53%250%214%n/an/a