South Central 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%.
The largest change between Q2 2026 and Q3 2026 was in Total risk-based capital ratio, which rose 1.25 percentage points to 17.03%. Within Nebraska, South Central State Bank is 21st of 57 on CET1 ratio, 16.32% as of Q3 2026, above the middle of the field. South Central State Bank reported 16.32% on CET1 ratio for Q3 2026, 1.25 points above the 15.07% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 16.32% |
| Tier 1 risk-based capital ratio | 16.32% |
| Total risk-based capital ratio | 17.03% |
| Tier 1 leverage ratio | 15.52% |
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 | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $30.3M |
| Tier 1 capital | $30.3M |
| Total risk-based capital | $31.7M |
| Total equity capital | $30.4M |
| Risk-weighted assets | $185.9M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 15.09% |
| Tangible equity to tangible assets | 14.93% |
| Equity capital to average assets | 15.51% |
| Internal capital growth rate | 17.40% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $250K |
| Common stock surplus | $7.8M |
| Retained earnings | $22.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$326K |
| 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 |
|---|---|---|---|---|---|
| Q4 2023 | 13.39% | 13.39% | 14.05% | 12.42% | $172.8M |
| Q1 2024 | 13.97% | 13.97% | 14.63% | 12.78% | $172.6M |
| Q2 2024 | 13.33% | 13.33% | 13.95% | 12.68% | $185.0M |
| Q3 2024 | 13.68% | 13.68% | 14.30% | 13.16% | $187.3M |
| Q4 2024 | 12.87% | 12.87% | 13.51% | 12.76% | $194.8M |
| Q1 2025 | 14.68% | 14.68% | 15.39% | 13.31% | $177.8M |
| Q2 2025 | 14.58% | 14.58% | 15.28% | 14.11% | $183.9M |
| Q3 2025 | 15.54% | 15.54% | 16.27% | 14.85% | $179.2M |
| Q4 2025 | 13.80% | 13.80% | 14.49% | 14.43% | $196.6M |
| Q1 2026 | 15.75% | 15.75% | 16.45% | 14.70% | $179.7M |
| Q2 2026 | 15.11% | 15.11% | 15.78% | 15.15% | $192.5M |
| Q3 2026 | 16.32% | 16.32% | 17.03% | 15.52% | $185.9M |
South Central State Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock South Central 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 South Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16707) · FFIEC NIC profile (RSSD 74056)