Bank Safety Analysis
Is State Bank of Table Rock Safe?
State Bank of Table Rock passes all 5 regulatory safety dimensions, with capital, asset quality, and stress buffers above supervisory concern bands. Analysis based on the Q3 2026 call report.
Noncurrent loans to total loans climbed 0.38 percentage points in Q3 2026, from 0.00% to 0.38%. It was the largest change from Q2 2026 among the key lines here. Within Nebraska, State Bank of Table Rock is 118th of 138 on leverage ratio, 9.50% as of Q3 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 10.93% on leverage ratio. State Bank of Table Rock sits 1.43 points lower, at 9.50% (Q3 2026); the peer median is as of Q2 2026. From Q4 2023 to Q3 2026, State Bank of Table Rock's Texas ratio ranged between 0.00% (Q1 2026) and 6.58% (Q2 2026). Compared with Q3 2025, State Bank of Table Rock's noncurrent loans to total loans from 0.26% to 0.38%, Texas ratio from 2.30% to 4.70%, return on assets from 1.64% to 1.37% in Q3 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with $100M to $1B in assets (2,603 banks) · Industry averages as of Q2 2026.
Leverage ratio of 9.50% exceeds the 8% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 9.50% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.38% are within industry-normal range.
Texas Ratio of 4.7% is well below the 100% historical failure threshold.
Efficiency ratio of 65.4% reflects competitive operating costs (lower is better).
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 4.70% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.38% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 107.35% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 34.66% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 1.28% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 4.70% |
| Q2 2026 | 6.58% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.03% |
| Q3 2025 | 2.30% |
| Q2 2025 | 3.09% |
| Q1 2025 | 4.11% |
| Q4 2024 | 3.01% |
| Q3 2024 | 3.45% |
| Q2 2024 | 0.19% |
| Q1 2024 | 0.36% |
| Q4 2023 | 0.00% |
State Bank of Table Rock by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Sep 30, 2026 | — | 0.38% | 4.70% | 1.37% |
| Jun 30, 2026 | — | 0.00% | 6.58% | 1.41% |
| Mar 31, 2026 | — | 0.00% | 0.00% | 1.38% |
| Dec 31, 2025 | — | 0.00% | 0.03% | 0.86% |
| Sep 30, 2025 | — | 0.26% | 2.30% | 1.64% |
| Jun 30, 2025 | — | 0.35% | 3.09% | 1.29% |
| Mar 31, 2025 | 10.88% | 0.33% | 4.11% | 1.19% |
| Dec 31, 2024 | — | 0.33% | 3.01% | 0.44% |
| Sep 30, 2024 | — | 0.39% | 3.45% | 1.54% |
| Jun 30, 2024 | — | 0.00% | 0.19% | 1.24% |
| Mar 31, 2024 | — | 0.04% | 0.36% | 1.65% |
| Dec 31, 2023 | — | 0.00% | 0.00% | 0.46% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is State Bank of Table Rock FDIC insured?
Yes. State Bank of Table Rock is an FDIC-insured commercial bank (FDIC Certificate #9822). Customer deposits are protected up to the standard FDIC insurance limit of $250,000 per depositor, per ownership category.
Is State Bank of Table Rock well capitalized?
Yes. State Bank of Table Rock reports a Community Bank Leverage Ratio of 9.50%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator, the FDIC, applies under Prompt Corrective Action.
What is State Bank of Table Rock's nonperforming loan ratio?
As of the most recent call report, State Bank of Table Rock's nonperforming loan ratio is 0.38%. Nonperforming loans at 0.38% are within industry-normal range.
What is State Bank of Table Rock's Texas Ratio?
State Bank of Table Rock's Texas Ratio is 4.70%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
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Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 9822) · FFIEC NIC profile (RSSD 660253)
Explore: Full State Bank of Table Rock profile · Other banks in NE · Metric glossary · How the call report works