Sandhills State Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Sandhills State Bank operates with a thinner capital cushion than most banks of its size. Based in North Platte, Nebraska, it had $383 million in assets at June 30, 2026, up 6.1% from a year earlier. It holds common equity equal to 10.78% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew deposits 13.5% over the year, about triple the median of 4.0% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 3.3% and deposits rose 13.5%. The commercial and industrial book ($49 million) is worsening: 2.37% of it is past due or on nonaccrual, up from 0.35% a year earlier.
As of June 30, 2026, Sandhills State Bank reported a CET1 capital ratio of 10.78%, a return on assets of 1.51%, a nonperforming-loan ratio of 0.16% and a Texas ratio of 1.54%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 203 S Dewey St, North Platte, NE 69101
- County
- Lincoln
- Metro Area
- North Platte, NE
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- September 22, 1902
- Offices
- 10 domestic
- Employees (FTE)
- 46
- Domestic deposits
- $347.1M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- -$21K
- Average total assets
- $377.9M
- Average total loans
- $267.6M
- Average interest-bearing deposits
- $267.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 14, 1934
- FDIC Cert
- 13892
- Fed RSSD
- 987259
- SEC CIK
- 1486192 → filed by SANDHILLS FINANCIAL SERVICES, LLC
- Website
- sandhills.bank →
- Parent Holding Company
- SANDHILLS FINANCIAL SERVICES, LLC (RSSD 4042222)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Sandhills State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Sandhills State Bank, freeSandhills State Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.78% | 1.51% | 0.16% | 1.54% | 4.09% |
| Q1 2026 | 11.10% | 1.59% | 0.13% | 1.19% | 3.98% |
| Q4 2025 | 10.75% | 1.25% | 0.13% | 1.22% | 3.86% |
| Q3 2025 | 11.06% | 1.42% | 0.15% | 1.36% | 3.85% |
| Q2 2025 | 10.73% | 1.52% | 0.16% | 1.57% | 3.90% |
| Q1 2025 | 10.97% | 1.43% | 0.10% | 0.99% | 3.81% |
| Q4 2024 | 10.72% | 1.45% | 0.10% | 1.07% | 3.80% |
| Q3 2024 | 10.61% | 1.08% | 0.10% | 1.03% | 3.35% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Sandhills State Bank (main office) | North Platte , NE | 69101 | $82.9M |
| Valentine Branch | Valentine , NE | 69201 | $66.2M |
| Bassett Branch | Bassett , NE | 68714 | $43.4M |
| Wauneta Branch | Wauneta , NE | 69045 | $31.1M |
| Ogallala Branch | Ogallala , NE | 69153 | $30.8M |
| Central Avenue Branch | Grant , NE | 69140 | $27.7M |
| Hyannis Branch | Hyannis , NE | 69350 | $25.7M |
| Sandhills State Bank - Harrison Branch | Harrison , NE | 69346 | $23.8M |
| Sandhills State Bank Alliance Branch | Alliance , NE | 69301 | $15.5M |
| Arthur Branch | Arthur , NE | 69121 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 15, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 15, 2016 | Structure Change | Acquired Bank of Keystone Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Sandhills State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in NE, rank 55 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $422K approved, $141K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Sandhills State Bank
What are Sandhills State Bank's total assets?
As of the Q2 2026 filing, Sandhills State Bank reported total assets of $382.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Sandhills State Bank headquartered?
Sandhills State Bank is headquartered in North Platte, NE, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Sandhills State Bank founded?
Sandhills State Bank was established in 1902, per the FDIC institution directory.
Is Sandhills State Bank FDIC-insured?
Yes. Sandhills State Bank is an FDIC-insured commercial bank (FDIC Certificate #13892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Sandhills State Bank?
Sandhills State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Sandhills State Bank's CET1 capital ratio?
Sandhills State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 10.78% in its Q2 2026 call report, above regulatory requirements.
How many branches does Sandhills State Bank operate?
Sandhills State Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Sandhills State Bank's Texas Ratio?
Sandhills State Bank's Texas Ratio is 1.54% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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