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State Bank of Table Rock

$100M-$1B Specialty: Agricultural NE FDIC cert 9822

Table Rock, NE

6 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 +2.3% year over year ($118.5M on the books).
  • Delinquency rate 0.80%.
  • Return on assets 1.40%.
  • Efficiency ratio 65.60% vs a 64.48% peer average.
  • Loan-to-deposit ratio 109.14% 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) →

State Bank of Table Rock has 3 strengths but faces 5 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 0.08% above tier average
  • + Net Interest Margin 0.38% above tier average
  • + Delinquency Rate 0.12% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 19.8% in tier
  • - Credit Risk Growth: Bottom 24.9% in tier
  • - Loan-to-Deposit Ratio 31.19% above tier average
  • - Non-Interest Income / Assets 0.50% below tier average
  • - Efficiency Ratio 1.12% above tier average
Get updates when State Bank of Table Rock releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $150.4M
+2.8% YoY +1.3% QoQ
-$236.2M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
Bottom 14.0% in tier
Total Loans ? $129.4M
+1.9% YoY +3.9% QoQ
-$129.0M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
28%
Total Deposits ? $118.5M
+2.3% YoY +0.0% QoQ
-$208.2M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
Bottom 11.4% in tier
Return on Assets ? 1.40%
+12.2% YoY +0.3% QoQ
+0.08% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 4.37%
+3.8% YoY +0.9% QoQ
+0.38% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
73%
Efficiency Ratio ? 65.60%
+2.4% YoY -0.5% QoQ
+1.12% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 0.80%
+127.7% YoY
-0.12% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 109.14%
-0.4% YoY +3.9% QoQ
+31.19% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
Bottom 3.4% in tier
Non-Interest-Bearing Deposit Share ? 15.09%
-7.3% YoY -2.7% QoQ
-6.95% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.69%
+125.6% YoY
+0.02% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
31%
Tier 1 Capital Ratio ? 9.72%
+7.8% YoY +0.3% QoQ
-6.18% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 7.3% in tier
Non-Interest Income / Assets ? 0.07%
+4.5% YoY +97.5% 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 15.1%
-1.2pp YoY
-0.4pp QoQ
 -7.1pp 22.1% 17.6% 22.2% 24%
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 6.8%
-0.6pp YoY
-0.8pp QoQ
 -4.8pp 11.6% 12.3% 12.5% 31%
CRE 9.2%
+1.1pp YoY
+0.4pp QoQ
 -30.4pp 39.5% 32.3% 41.4% 4%
1-4 Family 25.5%
+1.0pp YoY
-0.1pp QoQ
 -7.1pp 32.6% 16.9% 31.3% 42%
Consumer 2.5%
-0.2pp YoY
-0.1pp QoQ
 -1.6pp 4.1% 3.1% 5.0% 54%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 9.7%
+0.7pp YoY
0.0pp QoQ
 -2.4pp 12.2% 12.1% 12.6% 25%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 29
-1 (-3.3%) YoY
+3 (+11.5%) QoQ
 -30 58 98 482 25%
Assets per Employee ($) $5.2M
+6.3% YoY
-9.2% QoQ
 -$2.3M $7.5M $8.5M $8.8M 17%
Branch Count 6
0 YoY
0 QoQ
 +1 4 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.8% +0.5pp 0.3% 0.4% 0.4% 89%
Nonaccrual 0.0%
-0.3pp YoY
 -0.9pp 0.9% 0.8% 1.0% 2%
Allowance Coverage 1.33x
-55.6% YoY
 -22.83x 24.15x 31.69x 20.23x 36%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 35%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 14.5%
+0.3pp YoY
+0.1pp QoQ
 +2.3pp 12.2% 12.3% 11.6% 65%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.9% 1.7% 80%
Net Income ($, YTD) $1.0M
+13.8% YoY
— QoQ
 -$1.5M $2.6M $6.1M $40.4M 27%

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)

Capital Thin

risk
#132 of 661 • Bottom 19.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.72%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Credit Risk Growth

risk
#234 of 936 • Bottom 24.9% 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

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 (6 metrics)

2555
Loan-to-Deposit Ratio
liquidity
Value: 109.14%
Peer Median: 77.95%
#2555 of 2643 Bottom 3.4% in $100M-$1B
2452
Tier 1 Capital Ratio
capital
Value: 9.72%
Peer Median: 15.91%
#2452 of 2643 Bottom 7.3% in $100M-$1B
2398
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2398 of 2643 Bottom 9.3% in $100M-$1B
2344
Total Deposits
size
Value: $118.54M
Peer Median: $326.73M
#2344 of 2643 Bottom 11.4% in $100M-$1B
2274
Total Assets
size
Value: $150.41M
Peer Median: $386.57M
#2274 of 2643 Bottom 14.0% in $100M-$1B
1988
Non-Interest-Bearing Deposit Share
funding
Value: 15.09%
Peer Median: 22.03%
#1988 of 2643 Bottom 24.8% in $100M-$1B
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