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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Battle Creek, NE · FDIC certificate #16330
BATTLE CREEK STATE BANK is an FDIC-insured institution based in Battle Creek, NE (FDIC certificate #16330). In its Q3 2026 Call Report it reported total assets of $70M, total deposits of $60M and net loans of $57M. Its primary federal regulator is FED.
Plain-language readout
BATTLE CREEK STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $71M in Q2 2026 and were lowest at $64M in Q1 2026.
Total deposits were highest at $61M in Q2 2026 and lowest at $54M in Q1 2026.
Over the whole period total assets rose 9.1%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $70M | $60M | $57M | 0.89% | 5.95% | 3.97% |
| Q2 2026 | $71M | $61M | $55M | 1.03% | 6.74% | 3.89% |
| Q1 2026 | $64M | $54M | $46M | 1.11% | 6.82% | 3.83% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.3M | $820K | +$488K | +59.5% |
| Federal funds sold | $5.0M | $7.9M | -$2.9M | -36.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $8.0M | $8.0M | +$24K | +0.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $55.4M | $46.3M | +$9.1M | +19.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $146K | $145K | +$1K | +0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $1.1M | $1.0M | +$104K | +10.1% |
| Total assets | $71.0M | $64.2M | +$6.8M | +10.6% |
| Liabilities | ||||
| Total deposits | $61.0M | $54.3M | +$6.7M | +12.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $192K | $170K | +$22K | +12.9% |
| Total liabilities | $61.2M | $54.5M | +$6.7M | +12.3% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $192K | $192K | $0K | 0.0% |
| Surplus | $7.9M | $7.9M | $0K | 0.0% |
| Retained earnings | $1.7M | $1.6M | +$128K | +8.1% |
| Accumulated other comprehensive income | $7K | $16K | -$9K | -56.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $9.8M | $9.7M | +$119K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $10.2M | $10.1M | +$119K | +1.2% |
| Texas ratio (gross) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted) | 0.00% | 0.00% | 0.00 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.73% | 0.78% | -0.05 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.51% | 19.27% | -2.76 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.51% | 19.27% | -2.76 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.66% | 0.78% | -0.12 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.17% | 20.06% | -2.88 pts | See points |
| Tier 1 leverage (approximate) | 14.45% | 15.91% | -1.46 pts | See points |
| Construction and land loans to total capital | 0.00% | 0.00% | 0.00 pts | See points |
| Commercial real estate to total capital | 10.26% | 6.38% | +3.88 pts | See points |
| Dividend payout, year to date | 22.39% | 23.17% | -0.78 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.08% | 0.21% | -0.13 pts | See points |
| Liquidity | ||||
| Core deposits | $28.8M | $27.0M | +$1.8M | +6.8% |
| Non-core funding | $32.2M | $27.4M | +$4.9M | +17.8% |
| Loans to core deposits | 193.60% | 172.95% | +20.65 pts | See points |
| Loans to deposits | 91.41% | 85.90% | +5.52 pts | See points |
| Brokered deposits share of deposits | 22.35% | 25.09% | -2.74 pts | See points |
| Pledged securities share of securities | 84.47% | 92.29% | -7.82 pts | See points |
| Loans pledged, share of loans | 0.00% | 0.00% | 0.00 pts | See points |
| Volatile liabilities | $34.2M | $27.4M | +$6.8M | +25.0% |
| Earnings | ||||
| Earnings before provision, year to date | $384K | $208K | +$176K | +84.6% |
| Earnings before provision, single quarter | $176K | $208K | -$32K | -15.4% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.43% | 6.35% | +0.08 pts | See points |
| Yield on interest-bearing balances due from banks | 2.82% | 5.30% | -2.48 pts | See points |
| Total interest income to average assets | 5.82% | 5.55% | +0.27 pts | See points |
| Cost of interest-bearing transaction accounts | 0.97% | 0.89% | +0.08 pts | See points |
| Cost of savings and money market deposits | 2.15% | 2.20% | -0.05 pts | See points |
| Cost of time deposits | 3.63% | 3.58% | +0.05 pts | See points |
| Total interest expense to average assets | 2.05% | 1.93% | +0.12 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $70M | $60M | $57M | 0.89% | 5.95% | 3.97% |
| 2026-06-30 | $71M | $61M | $55M | 1.03% | 6.74% | 3.89% |
| 2026-03-31 | $64M | $54M | $46M | 1.11% | 6.82% | 3.83% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $36.7M | 0.04% | 148 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.