Battle Creek State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 27.17 percentage points higher than in Q1 2026, at 529.73%. Within Nebraska, Battle Creek State Bank is 111th of 138 on return on assets, 0.96% as of Q2 2026, below the middle of the field. At 0.96%, Battle Creek State Bank's return on assets is close to the 0.98% median for banks in the < $100M asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.51% |
| Tier 1 risk-based capital ratio | 16.51% |
| Total risk-based capital ratio | 17.17% |
| Tier 1 leverage ratio | 14.45% |
| Equity capital to assets | 13.78% |
| Tangible equity to tangible assets | 13.78% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.13% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.73% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | 529.73% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.96% |
| Return on equity | 6.67% |
| Net interest margin | 3.86% |
| Efficiency ratio | 78.61% |
| Yield on earning assets | 5.96% |
| Cost of funds | 2.40% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.41% |
| Core deposits to total deposits | 69.56% |
| Brokered deposits to total deposits | 22.35% |
| Deposits to assets | 85.95% |
| Securities to assets | 11.29% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.11% | 16.11% | 17.36% | 12.75% | 0.96% |
| Q4 2023 | 15.83% | 15.83% | 17.08% | 12.21% | 1.77% |
| Q1 2024 | 15.87% | 15.87% | 17.13% | 12.01% | 0.60% |
| Q2 2024 | 15.81% | 15.81% | 17.06% | 11.67% | 0.84% |
| Q3 2024 | 15.75% | 15.75% | 17.00% | 11.67% | 0.77% |
| Q4 2024 | 15.69% | 15.69% | 16.94% | 12.04% | 0.70% |
| Q1 2025 | 14.78% | 14.78% | 16.01% | 11.57% | 0.37% |
| Q2 2025 | 15.80% | 15.80% | 17.05% | 10.84% | 0.72% |
| Q3 2025 | 26.16% | 26.16% | 27.24% | 21.30% | 0.83% |
| Q4 2025 | 22.56% | 22.56% | 23.49% | 19.22% | 0.51% |
| Q1 2026 | 19.27% | 19.27% | 20.06% | 15.91% | 1.08% |
| Q2 2026 | 16.51% | 16.51% | 17.17% | 14.45% | 0.96% |
Battle Creek State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Battle Creek State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Battle Creek State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16330) · FFIEC NIC profile (RSSD 986757)