BlastPoint's Banking Scorecard

South Central State Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 16707

Campbell, NE

5 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

South Central State Bank demonstrates 5 strengths

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

+ Profitability Leader: Top 26.6% in tier
+ Efficiency Ratio 25.71% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.80% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when South Central State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$187.9M -1.3% YoY -8.4% QoQ	-$198.1M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$122.1M +0.9% YoY -13.7% QoQ	-$133.6M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$156.8M +0.8% YoY +3.4% QoQ	-$171.2M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	23%
Return on Assets ?	2.38% +13.2% YoY +13.1% QoQ	+1.11%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	Top 6.0% in tier
Net Interest Margin ?	4.73% +12.3% YoY +5.3% QoQ	+0.80%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	Top 12.4% in tier
Efficiency Ratio ?	39.58% -2.9% YoY -10.0% QoQ	-25.71%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	Top 3.7% in tier
Delinquency Rate ?	0.00% -100.0% YoY -100.0% QoQ	-0.89%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	77.86% +0.1% YoY -16.6% QoQ	+1.22%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	22.86% +7.4% YoY +9.0% QoQ	+0.84%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	58%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.75% +7.3% YoY +14.1% QoQ	-0.08%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.05% -11.1% YoY -72.6% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	19%

Get Full Access to South Central State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Profitability Leader

growth

#178 of 666 • Top 26.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.38%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

100

Efficiency Ratio

profitability

Value: 39.58%

Peer Median: 65.29%

#100 of 2664 Top 3.7% in $100M-$1B

160

Return on Assets

profitability

Value: 2.38%

Peer Median: 1.27%

#160 of 2664 Top 6.0% in $100M-$1B

332

Net Interest Margin

profitability

Value: 4.73%

Peer Median: 3.93%

#332 of 2664 Top 12.4% in $100M-$1B

Top Weaknesses (3 metrics)

2161

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2161 of 2664 Bottom 18.9% in $100M-$1B

2054

Total Deposits

size

Value: $156.81M

Peer Median: $327.97M

#2054 of 2664 Bottom 22.9% in $100M-$1B

2037

Total Assets

size

Value: $187.95M

Peer Median: $386.08M

#2037 of 2664 Bottom 23.6% in $100M-$1B