Sandhills State Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 5.3% from Q1 2026 to Q2 2026, ending at $7.4M against $7.1M. It was the largest change among the key lines on this page. On CET1 ratio, Sandhills State Bank is 2nd from the bottom among 57 Nebraska banks, 10.78% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Sandhills State Bank sits 4.29 points lower, at 10.78% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 10.78% |
| Tier 1 risk-based capital ratio | 10.78% |
| Total risk-based capital ratio | 11.82% |
| Tier 1 leverage ratio | 8.42% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $31.2M |
| Tier 1 capital | $31.2M |
| Total risk-based capital | $34.2M |
| Total equity capital | $33.9M |
| Risk-weighted assets | $289.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.86% |
| Tangible equity to tangible assets | 7.09% |
| Equity capital to average assets | 8.98% |
| Internal capital growth rate | 4.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $300K |
| Common stock surplus | $30.8M |
| Retained earnings | $7.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$4.6M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.46% | 11.46% | 12.45% | 8.83% | $259.9M |
| Q4 2023 | 11.05% | 11.05% | 12.03% | 8.85% | $267.6M |
| Q1 2024 | 11.41% | 11.41% | 12.43% | 8.82% | $257.9M |
| Q2 2024 | 10.81% | 10.81% | 11.75% | 8.97% | $272.9M |
| Q3 2024 | 10.61% | 10.61% | 11.56% | 8.64% | $275.9M |
| Q4 2024 | 10.72% | 10.72% | 11.68% | 8.51% | $277.1M |
| Q1 2025 | 10.97% | 10.97% | 11.96% | 8.82% | $272.1M |
| Q2 2025 | 10.73% | 10.73% | 11.72% | 8.93% | $280.7M |
| Q3 2025 | 11.06% | 11.06% | 12.07% | 8.83% | $274.5M |
| Q4 2025 | 10.75% | 10.75% | 11.79% | 8.07% | $284.4M |
| Q1 2026 | 11.10% | 11.10% | 12.16% | 8.38% | $277.8M |
| Q2 2026 | 10.78% | 10.78% | 11.82% | 8.42% | $289.4M |
Sandhills State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Sandhills State Bank, freeSource: Call Report Schedule RC-R, 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 Sandhills State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13892) · FFIEC NIC profile (RSSD 987259)