SOUTH CENTRAL STATE BANK

CAMPBELL, NE | Small | Est. Jan. 1, 1948, midnight | FDIC #16707 | RSSD #74056 | FDIC
Latest Report: 2025-12-31

SOUTH CENTRAL STATE BANK is asn small FDIC-insured commercial bank headquartered in CAMPBELL, NE, established in Jan. 1, 1948, midnight. As of 2025-12-31, the bank reported total assets of $205M and total deposits of $152M. Profitability stands at 1.92% ROA and 13.71% ROE, with a net interest margin of 4.57%. The bank's CET1 capital ratio is 13.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.60% and a Texas Ratio of 3.03%. FDIC Certificate #16707.

Assets

$205M

Deposits

$152M

Loans

$143M

Equity

$27M

Profitability

Return on Assets (ROA) 1.92%
Return on Equity (ROE) 13.71%
Net Interest Margin (NIM) 4.57%
Yield on Assets 6.31%
Cost of Funds 1.89%

Asset Quality

NPL Ratio 0.60%
Net Charge-Off Ratio --
Texas Ratio 3.03%
NPA Ratio 0.42%
ACL / Loans 0.87%

Capital & Liquidity

CET1 Ratio 13.80%
Tier 1 Capital 13.80%
Total Capital Ratio 14.49%
Leverage Ratio 14.43%
Loan-to-Deposit 94.15%

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