South Central State Bank
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Data as of · sourced from FFIEC call reports. How we update
South Central State Bank is an FDIC-insured commercial bank headquartered in Campbell, NE, established in 1948 (FDIC certificate 16707), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $192.1M, up 0.8% from Q2 2025, the 82nd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 15.11% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16707
- Headquarters
- Campbell, NE
- Established
- 1948
- Total assets, Q2 2026
- $192.1M
- Assets vs Q2 2025
- +0.8%
- CET1 ratio, Q2 2026
- 15.11%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 104113738
- Latest call report
- Q2 2026, FFIEC 051 · South Central State Bank call report
- Holding company
- CAMPBELL STATE COMPANY
- Asset rank in state
- 82nd of 138 in Nebraska
South Central State Bank is one of the more profitable banks of its size. The Campbell, Nebraska bank had $192 million in assets at June 30, 2026. It earns about $2.44 a year on every $100 of assets, about double the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 4.92 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents). Much of that comes from cost control: it spends about 47 cents to bring in each dollar of revenue.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 2.28%. Loans are outrunning deposits: over the year loans rose 4.8% and deposits rose 0.3%. Concentration is the risk to watch: it holds commercial real estate loans worth 2.1 times its capital, higher than about three-quarters of banks its size (median 1.2 times).
As of June 30, 2026, South Central State Bank reported a CET1 capital ratio of 15.11%, a return on assets of 2.44%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, South Central State Bank is the 82nd largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets rose 2.2% to $192.1M, loans rose 6.7% and deposits fell 2.0%. Construction and land development loans made up 42.5% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 26.2%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in NE; its Blue Hill office books 27% of its branch deposits. On its Q2 2026 call report, South Central State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 673 Broad St, Campbell, NE 68932
- County
- Franklin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1948
- Former names
- Campbell State Bank (1974-1993)
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 21
- Domestic deposits
- $153.6M
- Allowance for credit losses
- $1.2M
- Net charge-offs (YTD)
- $107K
- Average total assets
- $192.3M
- Average total loans
- $128.7M
- Average interest-bearing deposits
- $125.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1948
- FDIC Cert
- 16707
- Fed RSSD
- 74056
- Parent Holding Company
- CAMPBELL STATE COMPANY (RSSD 1061857)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, South Central State Bank's total assets ranged from $186.1M (Q3 2025) to $206.9M (Q4 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$192.1M total assets against $190.7M; $163.0M total liabilities against $163.6M.
$130.3M net loans and leases against $124.1M; $153.6M total deposits against $153.1M.
$48.5M securities against $53.1M; $1.9M cash and balances due against $2.8M.
$2.9M total interest income against $2.8M; $690K total interest expense against $775K.
$2.2M net interest income against $2.1M.
$88K total noninterest income against $88K; $1.1M total noninterest expense against $888K.
$25K provision for credit losses against $25K.
$1.2M net income against $1.1M.
2.44% return on assets against 2.31%; 4.92% net interest margin against 4.71%.
15.11% CET1 capital ratio against 14.58%; 15.15% tier 1 leverage ratio against 14.11%.
Inside the full South Central State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
South Central State Bank rankings
Its closest position to the top of a national ranking is 181 of 3,611, for ROA; its furthest is 3,542 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.92% (Q4 2024) to 2.44% (Q2 2026) and its net interest margin ran from 3.91% (Q3 2024) to 4.92% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.11% | 2.44% | 0.00% | 0.00% | 4.92% |
| Q1 2026 | 15.75% | 2.42% | 0.00% | 0.00% | 4.78% |
| Q4 2025 | 13.80% | 2.00% | 0.60% | 3.08% | 4.76% |
| Q3 2025 | 15.54% | 2.19% | 0.70% | 2.99% | 4.86% |
| Q2 2025 | 14.58% | 2.31% | 2.28% | 10.20% | 4.71% |
| Q1 2025 | 14.68% | 2.12% | 0.70% | 3.15% | 4.28% |
| Q4 2024 | 12.87% | 1.92% | 0.62% | 3.30% | 4.06% |
| Q3 2024 | 13.68% | 1.96% | 0.00% | 0.00% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Central State Bank of Blue Hill | Blue Hill , NE | 68930 | $42.2M |
| Franklin Branch | Franklin , NE | 68939 | $33.0M |
| South Central State Bank (main office) | Campbell , NE | 68932 | $32.5M |
| Red Cloud Branch | Red Cloud , NE | 68970 | $23.4M |
| Oxford Branch | Oxford , NE | 68967 | $22.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 1, 2003 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2003 | Structure Change | Acquired The Commercial Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 92 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $48K approved, $48K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about South Central State Bank
What are South Central State Bank's total assets?
As of the Q2 2026 filing, South Central State Bank reported total assets of $192.1 million in its FFIEC call report.
Where is South Central State Bank headquartered?
It is headquartered in Campbell, NE, United States.
When was South Central State Bank founded?
It was established in 1948, per the FDIC institution directory.
Is South Central State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates South Central State Bank?
South Central State Bank's primary federal regulator is the FDIC.
What is South Central State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does South Central State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is South Central State Bank's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was South Central State Bank previously called?
The charter now named South Central State Bank has also operated as Campbell State Bank (1974-1993), per FDIC structure-change records.
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