Bank Comparison
Banner Capital Bank vs Sandhills State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 10
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Banner Capital Bank | Sandhills State Bank |
|---|---|---|
| CET1 Ratio | 12.20% | 11.10% |
| Tier 1 Capital Ratio | 12.20% | 11.10% |
| Total Capital Ratio | 13.45% | 12.16% |
| Tier 1 Leverage Ratio | 10.76% | 8.38% |
| Equity / Assets | 10.84% | 8.89% |
Profitability
| Metric | Banner Capital Bank | Sandhills State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.64% | 1.59% |
| Return on Equity (ROE) | 15.20% | 17.84% |
| Net Interest Margin (NIM) | 4.43% | 3.98% |
| Yield on Earning Assets | 6.61% | 5.39% |
| Cost of Funds | 2.36% | 1.44% |
Asset quality
| Metric | Banner Capital Bank | Sandhills State Bank |
|---|---|---|
| Texas Ratio | 5.87% | 1.19% |
| Non-Performing Loan Ratio | 0.60% | 0.13% |
| Non-Performing Asset Ratio | 0.66% | 0.09% |
| Net Charge-Off Ratio | 0.00% | -0.03% |
| ACL / Loans | 1.32% | 1.13% |
Balance sheet
| Metric | Banner Capital Bank | Sandhills State Bank |
|---|---|---|
| Total Assets | $368,899K | $374,791K |
| Total Deposits | $327,565K | $339,914K |
| Total Loans | $297,451K | $261,972K |
| Total Equity | $39,996K | $33,331K |
| Net Income (quarter) | $1,523K | $1,492K |
Liquidity & funding
| Metric | Banner Capital Bank | Sandhills State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 90.81% | 77.07% |
| Core Deposit Ratio | 88.87% | 93.71% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Banner Capital Bank | Sandhills State Bank |
|---|---|---|
| Headquarters City | HARRISBURG | NORTH PLATTE |
| Headquarters State | NE | NE |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 7 | 10 |
| Employees (FTE) | 55 | 41 |
| Established | Oct. 10, 1964, midnight | Sept. 22, 1902, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Banner Capital Bank profile | View full Sandhills State Bank profile | Browse all bank comparisons