South Central 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.
The standout move of Q3 2026 was in Brokered deposits to total deposits: 6.58 percentage points higher than in Q2 2026, at 6.58%. Among 138 Nebraska banks, South Central State Bank sits 6th from the top on return on assets, 2.59% as of Q3 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, South Central State Bank reported 2.59% on return on assets in Q3 2026, 1.34 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 16.32% |
| Tier 1 risk-based capital ratio | 16.32% |
| Total risk-based capital ratio | 17.03% |
| Tier 1 leverage ratio | 15.52% |
| Equity capital to assets | 15.09% |
| Tangible equity to tangible assets | 14.93% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.88% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.59% |
| Return on equity | 17.04% |
| Net interest margin | 4.78% |
| Efficiency ratio | 59.58% |
| Yield on earning assets | 6.45% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 91.17% |
| Core deposits to total deposits | 88.03% |
| Brokered deposits to total deposits | 6.58% |
| Deposits to assets | 75.55% |
| Securities to assets | 24.25% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 13.39% | 13.39% | 14.05% | 12.42% | 2.14% |
| Q1 2024 | 13.97% | 13.97% | 14.63% | 12.78% | 2.04% |
| Q2 2024 | 13.33% | 13.33% | 13.95% | 12.68% | 2.00% |
| Q3 2024 | 13.68% | 13.68% | 14.30% | 13.16% | 1.96% |
| Q4 2024 | 12.87% | 12.87% | 13.51% | 12.76% | 1.92% |
| Q1 2025 | 14.68% | 14.68% | 15.39% | 13.31% | 2.12% |
| Q2 2025 | 14.58% | 14.58% | 15.28% | 14.11% | 2.31% |
| Q3 2025 | 15.54% | 15.54% | 16.27% | 14.85% | 2.19% |
| Q4 2025 | 13.80% | 13.80% | 14.49% | 14.43% | 2.00% |
| Q1 2026 | 15.75% | 15.75% | 16.45% | 14.70% | 2.42% |
| Q2 2026 | 15.11% | 15.11% | 15.78% | 15.15% | 2.44% |
| Q3 2026 | 16.32% | 16.32% | 17.03% | 15.52% | 2.59% |
South Central State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock South Central 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 South Central State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16707) · FFIEC NIC profile (RSSD 74056)