State Bank of Table Rock
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Data as of · sourced from FFIEC call reports. How we update
State Bank of Table Rock is an FDIC-insured commercial bank headquartered in Table Rock, NE, established in 1885 (FDIC certificate 9822), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $150.4M, up 2.8% from Q2 2025, the 91st largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.72% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9822
- Headquarters
- Table Rock, NE
- Established
- 1885
- Total assets, Q2 2026
- $150.4M
- Assets vs Q2 2025
- +2.8%
- Tier 1 leverage ratio, Q2 2026
- 9.72%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 104908846
- Latest call report
- Q2 2026, FFIEC 051 · State Bank of Table Rock call report
- Holding company
- DUROC INVESTMENT COMPANY
- Asset rank in state
- 91st of 138 in Nebraska
Problem loans are rising at State Bank of Table Rock. Its balance sheet stood at $150 million at June 30, 2026, up 2.8% from a year earlier; it is based in Table Rock, Nebraska. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.79% of loans from 0.35% a year earlier. It holds commercial real estate loans equal to only 35% of its capital, about a third the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it pays an average of 2.29% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Net income for the quarter rose 11% from a year earlier, to $522,000.
As of June 30, 2026, State Bank of Table Rock reported a return on assets of 1.41%, a nonperforming-loan ratio of 0.79% and a Texas ratio of 6.58%. The figures come from its call report filed with the FFIEC.
State Bank of Table Rock ranks as the 91st largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.3% to $150.4M, loans rose 3.9% and deposits were flat. Farmland and other real estate loans made up 33.2% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 25.2%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in NE; its Humboldt office books 26% of its branch deposits. By the capital ratios in its Q2 2026 call report, State Bank of Table Rock meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 402 Houston Street, Table Rock, NE 68447
- County
- Pawnee
- 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
- October 26, 1885
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $118.5M
- Allowance for credit losses
- $1.4M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $148.2M
- Average total loans
- $129.7M
- Average interest-bearing deposits
- $99.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9822
- Fed RSSD
- 660253
- Website
- www.tablerockbank.com →
- Parent Holding Company
- DUROC INVESTMENT COMPANY (RSSD 1053973)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, State Bank of Table Rock reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, State Bank of Table Rock's total assets ran between $125.4M (Q3 2023) and $150.4M (Q2 2026), 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
$150.4M total assets against $146.3M; $136.0M total liabilities against $133.2M.
$129.4M net loans and leases against $127.0M; $118.5M total deposits against $115.9M.
$1.6M securities against $1.9M; $11.3M cash and balances due against $9.8M.
$2.3M total interest income against $2.3M; $762K total interest expense against $815K.
$1.5M net interest income against $1.5M.
$51K total noninterest income against $47K; $1.0M total noninterest expense against $935K.
$20K provision for credit losses against $100K.
$522K net income against $471K.
1.41% return on assets against 1.29%; 4.34% net interest margin against 4.23%.
9.72% tier 1 leverage ratio against 9.02%.
Inside the full State Bank of Table Rock 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
State Bank of Table Rock rankings
Its closest position to the top of a national ranking is 1,027 of 3,640, for Texas Ratio; its furthest is 3,296 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.44% (Q4 2024) to 1.64% (Q3 2025) and its net interest margin ran from 3.98% (Q1 2025) to 4.52% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.72% | 1.41% | 0.79% | 6.58% | 4.34% |
| Q1 2026 | 9.70% | 1.38% | 0.00% | 0.00% | 4.21% |
| Q4 2025 | 9.71% | 0.86% | 0.00% | 0.03% | 4.42% |
| Q3 2025 | 9.54% | 1.64% | 0.26% | 2.30% | 4.52% |
| Q2 2025 | 9.02% | 1.29% | 0.35% | 3.09% | 4.23% |
| Q1 2025 | 8.72% | 1.19% | 0.47% | 4.11% | 3.98% |
| Q4 2024 | 8.76% | 0.44% | 0.33% | 3.01% | 4.10% |
| Q3 2024 | 8.97% | 1.54% | 0.35% | 3.07% | 4.17% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Humboldt Branch | Humboldt , NE | 68376 | $31.3M |
| Pawnee City Branch | Pawnee City , NE | 68420 | $21.0M |
| State Bank of Table Rock (main office) | Table Rock , NE | 68447 | $20.1M |
| Roca Branch | Roca , NE | 68430 | $18.6M |
| Dubois Branch | Du Bois , NE | 68345 | $15.5M |
| Tecumseh Branch | Tecumseh , NE | 68450 | $12.1M |
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 |
|---|---|---|---|
| July 2, 1994 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 1994 | Structure Change | Acquired State Bank of Du Bois 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
- 0.1% of deposits in NE, rank 105 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 78 applications, 72 loans originated, $13.1M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $136K approved, $136K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 State Bank of Table Rock
What are State Bank of Table Rock's total assets?
As of the Q2 2026 filing, State Bank of Table Rock reported total assets of $150.4 million in its FFIEC call report.
Where is State Bank of Table Rock headquartered?
It is headquartered in Table Rock, NE, United States.
When was State Bank of Table Rock founded?
It was established in 1885, per the FDIC institution directory.
Is State Bank of Table Rock FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9822). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates State Bank of Table Rock?
State Bank of Table Rock's primary federal regulator is the FDIC.
How many branches does State Bank of Table Rock operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is State Bank of Table Rock's Texas Ratio?
Its Texas Ratio is 6.58% 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.
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