Battle Creek State Bank
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Data as of · sourced from FFIEC call reports. How we update
Battle Creek State Bank is an FDIC-insured commercial bank headquartered in Battle Creek, NE, established in 1943 (FDIC certificate 16330), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $71.0M, the 118th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 16.51% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 16330
- Headquarters
- Battle Creek, NE
- Established
- 1943
- Total assets, Q2 2026
- $71.0M
- CET1 ratio, Q2 2026
- 16.51%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104113521
- Holding company
- BATTLE CREEK STATE COMPANY, INC.
- Asset rank in state
- 118th of 138 in Nebraska
Battle Creek State Bank, based in Battle Creek, Nebraska, reported $71 million in assets at June 30, 2026, against $42 million a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median 1.4%). It also grew its loan book 104.1% over the year, 40.6 times the median of 2.6% for banks its size.
Earnings jumped: net income for the quarter was $162,000, 105% above the same quarter a year earlier. Delinquency has appeared in its $42 million commercial and industrial book: 0.63% of those loans are past due or on nonaccrual, against almost none a year earlier. Funding is the softer spot: it pays an average of 2.40% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Battle Creek State Bank reported a CET1 capital ratio of 16.51%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Battle Creek State Bank ranks as the 118th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 10.6% to $71.0M, loans rose 19.5% and deposits rose 12.3%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 76.0% of total loans, ahead of agricultural production loans at 15.6%. The FDIC Summary of Deposits lists 2 offices for it, in Battle Creek, NE and Oakland, NE; its Battle Creek office books 99% of its branch deposits. By the capital ratios in its Q2 2026 call report, Battle Creek State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 202 W Main St, Battle Creek, NE 68715
- County
- Madison
- Metro Area
- Norfolk, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 1, 1943
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $61.0M
- Allowance for credit losses
- $392K
- Net charge-offs (YTD)
- $0
- Average total assets
- $67.6M
- Average total loans
- $52.6M
- Average interest-bearing deposits
- $49.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 24, 1945
- FDIC Cert
- 16330
- Fed RSSD
- 986757
- Parent Holding Company
- BATTLE CREEK STATE COMPANY, INC. (RSSD 2249399)
- Ultimate Parent
- LOGAN VALLEY INVESTMENTS, LLC (RSSD 6013002)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Battle Creek State Bank's total assets moved between a low of $36.3M (Q3 2023) and a high of $71.0M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$71.0M total assets against $41.5M; $61.2M total liabilities against $36.8M.
$55.4M net loans and leases against $26.9M; $61.0M total deposits against $36.7M.
$8.0M securities against $9.1M; $6.3M cash and balances due against $4.7M.
$984K total interest income against $591K; $347K total interest expense against $213K.
$637K net interest income against $378K.
$186K total noninterest income against $64K; $647K total noninterest expense against $344K.
No provision recorded in the last 12 quarters.
$162K net income against $79K.
0.96% return on assets against 0.72%; 3.86% net interest margin against 3.55%.
16.51% CET1 capital ratio against 15.80%; 14.45% tier 1 leverage ratio against 10.84%.
Inside the full Battle Creek State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.37% (Q1 2025) to 1.08% (Q1 2026) and its net interest margin ran from 3.47% (Q3 2024) to 4.14% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.51% | 0.96% | 0.00% | 0.00% | 3.86% |
| Q1 2026 | 19.27% | 1.08% | 0.00% | 0.00% | 3.71% |
| Q4 2025 | 22.56% | 0.51% | 0.00% | 0.00% | 4.02% |
| Q3 2025 | 26.16% | 0.83% | 0.00% | 0.00% | 4.14% |
| Q2 2025 | 15.80% | 0.72% | 0.00% | 0.00% | 3.55% |
| Q1 2025 | 14.78% | 0.37% | 0.00% | 0.00% | 3.65% |
| Q4 2024 | 15.69% | 0.70% | 0.00% | 0.00% | 3.67% |
| Q3 2024 | 15.75% | 0.77% | 0.00% | 0.00% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Battle Creek State Bank (main office) | Battle Creek , NE | 68715 | $60.7M |
| Creekside State Bank Branch | Oakland , NE | 68045 | $369K |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, BATTLE CREEK STATE COMPANY, INC., not the bank itself
- August 9, 2010, Federal Reserve: Written Agreement: Battle Creek State Company, Inc., Battle Creek, Nebraska; Battle Creek State Bank, Battle Creek, Nebraska
- Period: Most recent institution action August 9, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NE, rank 130 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $405K approved, $405K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Battle Creek State Bank
What are Battle Creek State Bank's total assets?
As of the Q2 2026 filing, Battle Creek State Bank reported total assets of $71.0 million in its FFIEC call report.
Where is Battle Creek State Bank headquartered?
It is headquartered in Battle Creek, NE, United States.
When was Battle Creek State Bank founded?
It was established in 1943, per the FDIC institution directory.
Is Battle Creek State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Battle Creek State Bank?
Battle Creek State Bank's primary federal regulator is the Federal Reserve.
What is Battle Creek State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Battle Creek State Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Battle Creek State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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