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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Campbell, NE · FDIC certificate #16707
SOUTH CENTRAL STATE BANK is an FDIC-insured institution based in Campbell, NE (FDIC certificate #16707). In its Q3 2026 Call Report it reported total assets of $202M, total deposits of $152M and net loans of $138M. Its primary federal regulator is FDIC.
Plain-language readout
SOUTH CENTRAL STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $202M in Q3 2026 and were lowest at $188M in Q1 2026.
Total deposits were highest at $157M in Q1 2026 and lowest at $152M in Q3 2026.
Over the whole period total assets rose 7.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $202M | $152M | $138M | 2.45% | 16.74% | 4.77% |
| Q2 2026 | $192M | $154M | $130M | 2.40% | 16.61% | 4.82% |
| Q1 2026 | $188M | $157M | $122M | 2.38% | 16.84% | 4.73% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $1.8M | $8.7M | -$6.8M | -78.7% |
| Federal funds sold | $10K | $187K | -$177K | -94.7% |
| 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) | $48.5M | $47.2M | +$1.3M | +2.7% |
| 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) | $130.3M | $122.1M | +$8.2M | +6.7% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.0M | $2.0M | -$31K | -1.5% |
| 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) | $382K | $382K | $0K | 0.0% |
| All other assets | $9.2M | $7.4M | +$1.7M | +23.2% |
| Total assets | $192.1M | $188.0M | +$4.2M | +2.2% |
| Liabilities | ||||
| Total deposits | $153.6M | $156.8M | -$3.2M | -2.0% |
| 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 | $5.7M | $0K | +$5.7M | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.7M | $2.7M | +$1.0M | +37.3% |
| Total liabilities | $163.0M | $159.5M | +$3.5M | +2.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $7.8M | $7.8M | $0K | 0.0% |
| Retained earnings | $21.5M | $20.7M | +$773K | +3.7% |
| Accumulated other comprehensive income | -$295K | -$238K | -$57K | -23.9% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $29.2M | $28.5M | +$716K | +2.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $0K | $0K | $0K | n/a |
| Adjusted nonperforming assets | $0K | $0K | $0K | n/a |
| Tangible equity plus allowance | $30.0M | $29.2M | +$740K | +2.5% |
| 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) | 0.00% | 0.89% | -0.89 pts | See points |
| Tier 1 capital to risk-weighted assets | 15.11% | 15.75% | -0.64 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 15.11% | 15.75% | -0.64 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.67% | 0.70% | -0.03 pts | See points |
| Total risk-based capital to risk-weighted assets | 15.78% | 16.45% | -0.67 pts | See points |
| Tier 1 leverage (approximate) | 15.15% | 14.70% | +0.45 pts | See points |
| Construction and land loans to total capital | 184.13% | 174.49% | +9.64 pts | See points |
| Commercial real estate to total capital | 211.25% | 202.54% | +8.71 pts | See points |
| Dividend payout, year to date | 17.07% | 0.00% | +17.07 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.28% | -1.07% | -0.21 pts | See points |
| Liquidity | ||||
| Core deposits | $144.8M | $148.0M | -$3.3M | -2.2% |
| Non-core funding | $14.5M | $8.8M | +$5.7M | +65.1% |
| Loans to core deposits | 90.83% | 83.27% | +7.56 pts | See points |
| Loans to deposits | 85.60% | 78.60% | +7.00 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 72.07% | 85.22% | -13.16 pts | See points |
| Loans pledged, share of loans | 52.32% | 54.18% | -1.86 pts | See points |
| Volatile liabilities | $14.5M | $8.8M | +$5.7M | +65.1% |
| Earnings | ||||
| Earnings before provision, year to date | $2.5M | $1.3M | +$1.2M | +89.4% |
| Earnings before provision, single quarter | $1.2M | $1.3M | -$142K | -10.6% |
| Provision for credit losses, year to date | $50K | $25K | +$25K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.81% | 6.74% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | Not reported | 0.00% | Not reported | See points |
| Total interest income to average assets | 6.01% | 5.90% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 1.55% | 1.45% | +0.10 pts | See points |
| Cost of savings and money market deposits | 0.43% | 0.43% | +0.01 pts | See points |
| Cost of time deposits | 3.72% | 3.77% | -0.06 pts | See points |
| Total interest expense to average assets | 1.44% | 1.49% | -0.06 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 | $202M | $152M | $138M | 2.45% | 16.74% | 4.77% |
| 2026-06-30 | $192M | $154M | $130M | 2.40% | 16.61% | 4.82% |
| 2026-03-31 | $188M | $157M | $122M | 2.38% | 16.84% | 4.73% |
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 | $153.1M | 0.17% | 92 | 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.