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Sandhills State Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 13892

North Platte, NE

10 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +13.5% year over year ($347.1M on the books).
  • Delinquency rate 0.17%.
  • Return on assets 1.52%.
  • Efficiency ratio 59.13% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Sandhills State Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.20% above tier average
  • + Efficiency Ratio 5.35% below tier average
  • + Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 4.0% in tier
  • - Credit Quality Pressure: Bottom 8.8% in tier
  • - Non-Interest Income / Assets 0.50% below tier average
Get updates when Sandhills State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $382.8M
+6.1% YoY +2.1% QoQ
-$3.8M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
59%
Total Loans ? $275.4M
+3.3% YoY +6.3% QoQ
+$17.1M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $347.1M
+13.5% YoY +2.1% QoQ
+$20.4M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.52%
+6.4% YoY -2.1% QoQ
+0.20% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 4.02%
+5.3% YoY +2.0% QoQ
+0.03% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
55%
Efficiency Ratio ? 59.13%
+2.8% YoY +2.2% QoQ
-5.35% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 0.17%
+3.4% YoY +24.8% QoQ
-0.75% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
68%
Loan-to-Deposit Ratio ? 79.35%
-9.0% YoY +4.1% QoQ
+1.39% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 20.98%
+12.2% YoY +8.3% QoQ
-1.05% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
50%
Nonperforming Asset Ratio ? 0.12%
+0.6% YoY +30.0% QoQ
-0.55% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
69%
Tier 1 Capital Ratio ? 10.78%
+0.4% YoY -2.8% QoQ
-5.13% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.07%
-15.5% YoY +97.4% QoQ
-0.50% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Bottom 9.3% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 21.0%
+2.3pp YoY
+1.6pp QoQ
 -1.2pp 22.1% 17.6% 22.2% 49%
Brokered Deposits 0.9%
-0.2pp YoY
0.0pp QoQ
 -7.0pp 7.9% 8.9% 8.5% 17%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 17.8%
-2.7pp YoY
+1.0pp QoQ
 +6.3pp 11.6% 12.3% 12.5% 84%
CRE n/a n/a 39.5% 32.3% 41.4% n/a
1-4 Family 6.1%
+2.3pp YoY
+2.5pp QoQ
 -26.6pp 32.6% 16.9% 31.3% 6%
Consumer 0.8%
-0.2pp YoY
0.0pp QoQ
 -3.3pp 4.1% 3.1% 5.0% 23%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 10.8%
0.0pp YoY
-0.3pp QoQ
 -8.0pp 18.8% 16.1% 19.7% 6%
Leverage Ratio 8.4%
-0.5pp YoY
0.0pp QoQ
 -3.8pp 12.2% 12.1% 12.6% 5%
Total Capital Ratio 11.8%
+0.1pp YoY
-0.3pp QoQ
 -8.1pp 19.9% 17.3% 20.8% 6%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 46
+6 (+15.0%) YoY
+5 (+12.2%) QoQ
 -13 58 98 482 48%
Assets per Employee ($) $8.3M
-7.7% YoY
-9.0% QoQ
 +$803K $7.5M $8.5M $8.8M 72%
Branch Count 10
0 YoY
0 QoQ
 +5 4 7 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.3pp 0.3% 0.4% 0.4% 20%
Nonaccrual 0.2%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 25%
Allowance Coverage 6.60x
+2.1% YoY
-23.3% QoQ
 -17.55x 24.15x 31.69x 20.23x 76%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 11%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 17.4%
+1.0pp YoY
-0.5pp QoQ
 +5.2pp 12.2% 12.3% 11.6% 79%
Cost of Funds (YTD) 1.4%
-0.1pp YoY
0.0pp QoQ
 -0.3pp 1.7% 1.9% 1.7% 32%
Net Income ($, YTD) $2.9M
+14.9% YoY
— QoQ
 +$363K $2.6M $6.1M $40.4M 69%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#38 of 936 • Bottom 4.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#112 of 1256 • Bottom 8.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.17%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2397
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2397 of 2643 Bottom 9.3% in $100M-$1B
2113
Tier 1 Capital Ratio
capital
Value: 10.78%
Peer Median: 15.91%
#2113 of 2643 Bottom 20.1% in $100M-$1B
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