Sandhills 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.
Reserve coverage of non-performing loans dropped 149.58 percentage points in Q2 2026, from 860.87% to 711.29%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Sandhills State Bank is 58th of 138 on return on assets, 1.51% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Sandhills State Bank sits 0.26 points higher, at 1.51% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.78% |
| Tier 1 risk-based capital ratio | 10.78% |
| Total risk-based capital ratio | 11.82% |
| Tier 1 leverage ratio | 8.42% |
| Equity capital to assets | 8.86% |
| Tangible equity to tangible assets | 7.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.54% |
| Allowance for credit losses to loans | 1.09% |
| Reserve coverage of non-performing loans | 711.29% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.51% |
| Return on equity | 16.96% |
| Net interest margin | 4.09% |
| Efficiency ratio | 59.73% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.22% |
| Core deposits to total deposits | 93.56% |
| Brokered deposits to total deposits | 0.88% |
| Deposits to assets | 90.69% |
| Securities to assets | 15.90% |
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 | 11.46% | 11.46% | 12.45% | 8.83% | 1.04% |
| Q4 2023 | 11.05% | 11.05% | 12.03% | 8.85% | 1.13% |
| Q1 2024 | 11.41% | 11.41% | 12.43% | 8.82% | 1.16% |
| Q2 2024 | 10.81% | 10.81% | 11.75% | 8.97% | 1.10% |
| Q3 2024 | 10.61% | 10.61% | 11.56% | 8.64% | 1.08% |
| Q4 2024 | 10.72% | 10.72% | 11.68% | 8.51% | 1.45% |
| Q1 2025 | 10.97% | 10.97% | 11.96% | 8.82% | 1.43% |
| Q2 2025 | 10.73% | 10.73% | 11.72% | 8.93% | 1.52% |
| Q3 2025 | 11.06% | 11.06% | 12.07% | 8.83% | 1.42% |
| Q4 2025 | 10.75% | 10.75% | 11.79% | 8.07% | 1.25% |
| Q1 2026 | 11.10% | 11.10% | 12.16% | 8.38% | 1.59% |
| Q2 2026 | 10.78% | 10.78% | 11.82% | 8.42% | 1.51% |
Sandhills State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Sandhills 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 Sandhills State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13892) · FFIEC NIC profile (RSSD 987259)