Battle Creek State Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 16.51% was down 276bps from the prior quarter. Battle Creek State Bank is a small community bank chartered in 1943, based in Battle Creek, NE. The Q2 2026 balance sheet stands at $71M in assets, including $56M in loans. Returns are in line with industry norms at 0.96% ROA and 6.67% ROE; net interest margin is 3.86%. Regulatory capital is solid, 16.51% CET1 and 17.17% total risk-based capital ratio. Credit metrics are pristine, with nonperforming loans at just 0.13%. 2 branches make up the footprint.
As of June 30, 2026, Battle Creek State Bank reported a CET1 capital ratio of 16.51%, a return on assets of 0.96%, a nonperforming-loan ratio of 0.13%, a Texas ratio of 0.73%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 202 W Main St, Battle Creek, NE 68715
- County
- Madison
- Metro Area
- Norfolk, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 1, 1943
- Offices
- 2 domestic
- Employees (FTE)
- 12
- Domestic deposits
- $61.0M
- Allowance for credit losses
- $392K
- Net charge-offs (YTD)
- $0
- Average total assets
- $67.6M
- Average total loans
- $52.6M
- Average interest-bearing deposits
- $49.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 24, 1945
- FDIC Cert
- 16330
- Fed RSSD
- 986757
- Parent Holding Company
- BATTLE CREEK STATE COMPANY, INC. (RSSD 2249399)
- Ultimate Parent
- LOGAN VALLEY INVESTMENTS, LLC (RSSD 6013002)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
No provision recorded in the last 12 quarters.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Battle Creek State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.51% | 0.96% | 0.13% | 0.73% | 3.86% |
| Q1 2026 | 19.27% | 1.08% | 0.17% | 0.78% | 3.71% |
| Q4 2025 | 22.56% | 0.51% | 0.20% | 0.78% | 4.02% |
| Q3 2025 | 26.16% | 0.83% | 0.24% | 0.82% | 4.14% |
| Q2 2025 | 15.80% | 0.72% | 0.30% | 1.59% | 3.55% |
| Q1 2025 | 14.78% | 0.37% | 0.30% | 1.62% | 3.65% |
| Q4 2024 | 15.69% | 0.70% | 0.30% | 1.66% | 3.67% |
| Q3 2024 | 15.75% | 0.77% | 0.30% | 1.61% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 2 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Battle Creek State Bank (main office) | Battle Creek , NE | 68715 | $60.7M |
| Creekside State Bank Branch | Oakland , NE | 68045 | $369K |
Regulatory record
What the public regulatory sources show for Battle Creek State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (Federal Reserve). These actions name the parent holding company, BATTLE CREEK STATE COMPANY, INC., not the bank itself
- August 9, 2010, Federal Reserve: Written Agreement: Battle Creek State Company, Inc., Battle Creek, Nebraska; Battle Creek State Bank, Battle Creek, Nebraska
- Period: Most recent institution action August 9, 2010. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in NE, rank 130 of 161 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Battle Creek State Bank
What are Battle Creek State Bank's total assets?
As of the Q2 2026 filing, Battle Creek State Bank reported total assets of $71.0 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Battle Creek State Bank headquartered?
Battle Creek State Bank is headquartered in Battle Creek, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Battle Creek State Bank founded?
Battle Creek State Bank was established in 1943, per the FDIC institution directory.
Is Battle Creek State Bank FDIC-insured?
Yes. Battle Creek State Bank is an FDIC-insured commercial bank (FDIC Certificate #16330). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Battle Creek State Bank?
Battle Creek State Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Battle Creek State Bank's CET1 capital ratio?
Battle Creek State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 16.51% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Battle Creek State Bank operate?
Battle Creek State Bank operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Battle Creek State Bank's Texas Ratio?
Battle Creek State Bank's Texas Ratio is 0.73% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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