| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +4.4% | -3.6 pts |
| Deposit growth (YoY) | +0.3% | +4.0% | -3.7 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 2.40% | 1.24% | +1.2 pts |
| ROE | 16.6% | 11.9% | +4.7 pts |
ROA ranks in the 95th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $192.1M | $153.6M | $130.3M | $29.2M | $2.3M | 2.40% | 4.82% | 0.00% |
| Q1 2026 | $187.9M | $156.8M | $122.1M | $28.4M | $1.2M | 2.38% | 4.73% | 0.00% |
| Q4 2025 | $205.2M | $151.6M | $141.5M | $27.0M | $4.1M | 2.10% | 4.50% | 0.42% |
| Q3 2025 | $186.1M | $148.2M | $121.2M | $27.9M | $3.2M | 2.19% | 4.54% | 0.46% |
| Q2 2025 | $190.7M | $153.1M | $124.1M | $27.1M | $2.1M | 2.19% | 4.40% | 1.50% |
| Q1 2025 | $190.4M | $155.5M | $121.0M | $26.3M | $1.0M | 2.10% | 4.22% | 0.45% |
| Q4 2024 | $206.9M | $145.8M | $136.3M | $25.2M | $3.8M | 1.93% | 4.01% | 0.41% |
| Q3 2024 | $202.8M | $143.7M | $133.0M | $25.6M | $2.9M | 1.95% | 4.04% | 0.00% |
Loan mix (Q2 2026): real estate $99.4M · commercial $1.5M · consumer $1.3M · securities $48.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | South Central State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.40% | 1.24% | 95th | |
Return on equity Annualized net income ÷ equity or net worth | 16.6% | 11.9% | 76th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.82% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 43.6% | 62.9% | 7th |
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 | South Central 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 | South Central 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 | South Central 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 | South Central 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 | South Central 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.
5 branches in 3 counties across 1 state (+0 vs 2025) · $153.6M branch deposits. Biggest market: Webster, NE, ranked 1st with 60.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Webster, NE | 2 | $65.6M | 60.77% | 1st |
| Franklin, NE | 2 | $65.5M | 44.23% | 2nd |
| Furnas, NE | 1 | $22.5M | 8.55% | 5th |
Nebraska: 103rd with 0.15% ·
Branch count: 2022 5 · 2023 5 · 2024 5 · 2025 5 · 2026 5
Spends about half what peers do on technology. 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).