| Metric | Sandhills State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.1% | +4.4% | +1.7 pts |
| Deposit growth (YoY) | +13.5% | +4.0% | +9.6 pts |
| Loan growth (YoY) | +3.3% | +5.6% | -2.3 pts |
| ROA | 1.52% | 1.24% | +0.3 pts |
| ROE | 17.4% | 11.9% | +5.5 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $382.8M | $347.1M | $275.4M | $33.9M | $2.9M | 1.52% | 4.02% | 0.12% |
| Q1 2026 | $374.8M | $339.9M | $259.0M | $33.3M | $1.5M | 1.56% | 3.94% | 0.09% |
| Q4 2025 | $392.6M | $357.4M | $267.1M | $33.6M | $5.0M | 1.37% | 3.82% | 0.09% |
| Q3 2025 | $370.3M | $335.7M | $257.0M | $33.0M | $3.8M | 1.41% | 3.79% | 0.10% |
| Q2 2025 | $360.8M | $305.8M | $266.7M | $31.9M | $2.5M | 1.43% | 3.82% | 0.12% |
| Q1 2025 | $355.2M | $312.4M | $258.4M | $31.2M | $1.2M | 1.40% | 3.79% | 0.07% |
| Q4 2024 | $348.5M | $316.9M | $266.4M | $30.2M | $4.1M | 1.19% | 3.52% | 0.08% |
| Q3 2024 | $357.7M | $322.3M | $263.0M | $31.6M | $2.9M | 1.09% | 3.39% | 0.08% |
Loan mix (Q2 2026): real estate $130.1M · commercial $49.1M · consumer $2.1M · securities $60.8M
| Ratio | Sandhills State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.52% | 1.24% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 17.4% | 11.9% | 79th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.02% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 62.9% | 39th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Sandhills State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Sandhills State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Sandhills State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Sandhills State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Sandhills State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
10 branches in 10 counties across 1 state (+0 vs 2025) · $347.1M branch deposits. Biggest market: Lincoln, NE, ranked 8th with 5.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Lincoln, NE | 1 | $82.9M | 4.99% | 8th |
| Cherry, NE | 1 | $66.2M | 17.18% | 3rd |
| Rock, NE | 1 | $43.4M | 48.53% | 2nd |
| 7 more counties with Pro → | ||||
Nebraska: 63rd with 0.33% ·
Branch count: 2022 10 · 2023 10 · 2024 10 · 2025 10 · 2026 10
Technology spend in line with peers (20 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).