Scribner 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.
Loan-to-deposit ratio climbed 2.89 percentage points in Q2 2026, from 77.42% to 80.31%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Scribner Bank ranks 4th highest among the 138 banks headquartered in Nebraska, at 2.79% (Q2 2026). Against a median of 1.00% for banks in the < $100M asset tier, Scribner Bank reported 2.79% on return on assets in Q2 2026, 1.79 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.56% |
| Equity capital to assets | 16.51% |
| Tangible equity to tangible assets | 16.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.04% |
| Non-performing assets ratio | 0.03% |
| Net charge-off ratio | -0.25% |
| Texas ratio | 0.16% |
| Allowance for credit losses to loans | 1.92% |
| Reserve coverage of non-performing loans | 4448.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.79% |
| Return on equity | 17.23% |
| Net interest margin | 4.87% |
| Efficiency ratio | 56.42% |
| Yield on earning assets | 6.13% |
| Cost of funds | 1.46% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.31% |
| Core deposits to total deposits | 97.12% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.94% |
| Securities to assets | 14.04% |
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 | 22.13% | 22.13% | 23.38% | 11.92% | 2.63% |
| Q4 2023 | 19.29% | 19.29% | 20.55% | 12.95% | 1.92% |
| Q1 2024 | 21.87% | 21.87% | 23.13% | 13.19% | 2.42% |
| Q2 2024 | 21.88% | 21.88% | 23.14% | 14.20% | 2.53% |
| Q3 2024 | 23.92% | 23.92% | 25.18% | 14.88% | 3.27% |
| Q4 2024 | 20.66% | 20.66% | 21.91% | 15.50% | 1.13% |
| Q1 2025 | 21.22% | 21.22% | 22.47% | 15.31% | 2.31% |
| Q2 2025 | 21.16% | 21.16% | 22.41% | 15.42% | 2.64% |
| Q3 2025 | — | — | — | 15.70% | 3.08% |
| Q4 2025 | — | — | — | 15.38% | 1.42% |
| Q1 2026 | — | — | — | 15.65% | 2.71% |
| Q2 2026 | — | — | — | 16.56% | 2.79% |
Scribner Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Scribner 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 Scribner Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14026) · FFIEC NIC profile (RSSD 711753)