BlastPoint's Banking Scorecard
South Central State Bank
Campbell, NE
5 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 +0.3% year over year ($153.6M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.40%.
- Efficiency ratio 43.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
South Central State Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 27.1% in tier
- + Efficiency Ratio 20.86% below tier average
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.84% above tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$192.1M
+0.8% YoY
+2.2% QoQ
|
-$194.4M |
$386.6M
+1.2% YoY
|
$801.1M
+6.7% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$130.3M
+5.0% YoY
+6.7% QoQ
|
-$128.1M |
$258.3M
+1.7% YoY
|
$561.8M
+6.3% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$153.6M
+0.3% YoY
-2.0% QoQ
|
-$173.1M |
$326.7M
+0.7% YoY
|
$663.3M
+6.9% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
2.40%
+9.8% YoY
+1.1% QoQ
|
+1.08% |
1.32%
+10.8% YoY
|
1.39%
+16.4% YoY
|
1.30%
+12.1% YoY
|
Top 5.8% in tier |
| Net Interest Margin ? |
4.82%
+9.6% YoY
+1.9% QoQ
|
+0.84% |
3.99%
+5.0% YoY
|
3.85%
+5.8% YoY
|
3.95%
+4.9% YoY
|
Top 11.4% in tier |
| Efficiency Ratio ? |
43.62%
+6.2% YoY
+10.2% QoQ
|
-20.86% |
64.48%
-3.2% YoY
|
59.13%
-5.1% YoY
|
70.05%
+2.5% YoY
|
Top 7.3% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.76%
-0.0% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
84.83%
+4.6% YoY
+9.0% QoQ
|
+6.87% |
77.95%
+1.0% YoY
|
80.90%
+0.2% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
20.96%
+9.8% YoY
-8.3% QoQ
|
-1.07% |
22.03%
-0.6% YoY
|
17.56%
-0.6% YoY
|
21.98%
-0.6% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.59%
+4.7% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.11%
+3.6% YoY
-4.1% QoQ
|
-0.80% |
15.91%
+1.4% YoY
|
14.05%
+0.1% YoY
|
17.09%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.09%
-7.4% YoY
+90.4% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.24%
+7.2% YoY
|
0.66%
+5.2% YoY
|
17% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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%
+1.9pp YoY -1.9pp QoQ |
-1.2pp | 22.1% | 17.6% | 22.2% | 49% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.9% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.1%
0.0pp YoY +0.2pp QoQ |
-10.4pp | 11.6% | 12.3% | 12.5% | 4% |
| CRE |
49.7%
-0.1pp YoY +0.1pp QoQ |
+10.2pp | 39.5% | 32.3% | 41.4% | 69% |
| 1-4 Family |
0.1%
-0.1pp YoY 0.0pp QoQ |
-32.5pp | 32.6% | 16.9% | 31.3% | 0% |
| Consumer |
1.0%
-0.1pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 3.1% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.1%
+0.5pp YoY -0.6pp QoQ |
-3.7pp | 18.8% | 16.1% | 19.7% | 50% |
| Leverage Ratio |
15.2%
+1.0pp YoY +0.5pp QoQ |
+3.0pp | 12.2% | 12.1% | 12.6% | 87% |
| Total Capital Ratio |
15.8%
+0.5pp YoY -0.7pp QoQ |
-4.2pp | 19.9% | 17.3% | 20.8% | 45% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
0 YoY +1 (+5.0%) QoQ |
-38 | 58 | 98 | 482 | 12% |
| Assets per Employee ($) |
$9.1M
+0.8% YoY -2.6% QoQ |
+$1.6M | $7.5M | $8.5M | $8.8M | 80% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 7 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 31.69x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.2%
-0.2pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 82% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
+0.2pp YoY -0.2pp QoQ |
+4.4pp | 12.2% | 12.3% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.9% | 1.7% | 41% |
| Net Income ($, YTD) |
$2.3M
+9.3% YoY — QoQ |
-$212K | $2.6M | $6.1M | $40.4M | 59% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.