Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
North Platte, NE · FDIC certificate #13892
SANDHILLS STATE BANK is an FDIC-insured institution based in North Platte, NE (FDIC certificate #13892). In its Q3 2026 Call Report it reported total assets of $405M, total deposits of $353M and net loans of $309M. Its primary federal regulator is FDIC.
Plain-language readout
SANDHILLS STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $405M in Q3 2026 and were lowest at $375M in Q1 2026.
Total deposits were highest at $353M in Q3 2026 and lowest at $340M in Q1 2026.
Over the whole period total assets rose 7.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $405M | $353M | $309M | 1.39% | 16.07% | 4.04% |
| Q2 2026 | $383M | $347M | $275M | 1.52% | 17.36% | 4.02% |
| Q1 2026 | $375M | $340M | $259M | 1.56% | 17.84% | 3.94% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $27.4M | $34.9M | -$7.4M | -21.3% |
| Federal funds sold | $120K | $119K | +$1K | +0.8% |
| 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) | $60.8M | $62.9M | -$2.0M | -3.3% |
| Equity securities with readily determinable fair values, not held for trading | $14K | $12K | +$2K | +16.7% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $275.4M | $259.0M | +$16.4M | +6.3% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $4.4M | $4.5M | -$56K | -1.2% |
| 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) | $7.3M | $7.3M | +$1K | +0.0% |
| All other assets | $7.2M | $6.1M | +$1.1M | +17.7% |
| Total assets | $382.8M | $374.8M | +$8.0M | +2.1% |
| Liabilities | ||||
| Total deposits | $347.1M | $339.9M | +$7.2M | +2.1% |
| 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 | $1.7M | $1.5M | +$173K | +11.2% |
| Total liabilities | $348.8M | $341.5M | +$7.4M | +2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $300K | $300K | $0K | 0.0% |
| Surplus | $30.8M | $30.8M | $0K | 0.0% |
| Retained earnings | $7.4M | $7.1M | +$377K | +5.3% |
| Accumulated other comprehensive income | -$4.6M | -$4.8M | +$221K | +4.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $33.9M | $33.3M | +$598K | +1.8% |
| Credit and capital | ||||
| Gross nonperforming assets | $458K | $345K | +$113K | +32.8% |
| Adjusted nonperforming assets | $458K | $345K | +$113K | +32.8% |
| Tangible equity plus allowance | $29.7M | $29.0M | +$650K | +2.2% |
| Texas ratio (gross) | 1.54% | 1.19% | +0.35 pts | See points |
| Texas ratio (adjusted) | 1.54% | 1.19% | +0.35 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.54% | 1.19% | +0.35 pts | See points |
| Tier 1 capital to risk-weighted assets | 10.78% | 11.10% | -0.32 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 10.78% | 11.10% | -0.32 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.04% | 1.07% | -0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 11.82% | 12.16% | -0.34 pts | See points |
| Tier 1 leverage (approximate) | 8.42% | 8.38% | +0.04 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 | 72.53% | 43.32% | +29.21 pts | See points |
| Dividend payout, year to date | 78.82% | 83.78% | -4.96 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -14.65% | -15.54% | +0.89 pts | See points |
| Liquidity | ||||
| Core deposits | $321.8M | $315.5M | +$6.3M | +2.0% |
| Non-core funding | $25.4M | $24.4M | +$932K | +3.8% |
| Loans to core deposits | 86.54% | 83.04% | +3.50 pts | See points |
| Loans to deposits | 80.22% | 77.07% | +3.15 pts | See points |
| Brokered deposits share of deposits | 0.88% | 0.90% | -0.02 pts | See points |
| Pledged securities share of securities | 56.78% | 46.63% | +10.15 pts | See points |
| Loans pledged, share of loans | 37.88% | 44.30% | -6.42 pts | See points |
| Volatile liabilities | $25.4M | $24.4M | +$932K | +3.8% |
| Earnings | ||||
| Earnings before provision, year to date | $3.0M | $1.5M | +$1.5M | +98.8% |
| Earnings before provision, single quarter | $1.5M | $1.5M | -$18K | -1.2% |
| Provision for credit losses, year to date | $53K | $0K | +$53K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.38% | 6.21% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 3.74% | 3.73% | +0.02 pts | See points |
| Total interest income to average assets | 5.24% | 5.08% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 1.36% | 1.21% | +0.14 pts | See points |
| Cost of savings and money market deposits | 1.85% | 1.82% | +0.03 pts | See points |
| Cost of time deposits | 3.15% | 3.07% | +0.08 pts | See points |
| Total interest expense to average assets | 1.38% | 1.34% | +0.04 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 | $405M | $353M | $309M | 1.39% | 16.07% | 4.04% |
| 2026-06-30 | $383M | $347M | $275M | 1.52% | 17.36% | 4.02% |
| 2026-03-31 | $375M | $340M | $259M | 1.56% | 17.84% | 3.94% |
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 | $305.8M | 0.33% | 60 | 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.