BlastPoint's Banking Scorecard
South Central State Bank
Micro
Specialty: Agricultural
NE
FDIC cert 16707
Designations: ✓ Community bank
Campbell, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
South Central State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.02% above tier
- + Efficiency Ratio 23.75% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$205.2M
-0.8% YoY
+10.3% QoQ
|
-$12.3M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$141.5M
+3.8% YoY
+16.7% QoQ
|
+$2.3M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$151.6M
+4.0% YoY
+2.3% QoQ
|
-$32.0M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
2.10%
+9.1% YoY
-3.9% QoQ
|
+1.02% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
4.50%
+12.1% YoY
-0.9% QoQ
|
+0.64% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
43.97%
+0.6% YoY
+2.7% QoQ
|
-23.75% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.61%
-3.7% YoY
-14.3% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
93.32%
-0.2% YoY
+14.1% QoQ
|
+18.80% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
20.98%
-3.6% YoY
+9.9% QoQ
|
-1.41% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.42%
+0.8% YoY
-9.3% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
13.80%
+7.2% YoY
-11.2% QoQ
|
+4.95% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.18%
-12.0% YoY
+15.7% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 8%
in Micro
Why this stands out
Current:
2.10%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.97%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Efficiency Ratio
Current: 43.97% · Tier avg: 67.73%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 8.85%
57
57th pctile
Total Loans
Current: $141.5M · Tier avg: $139.2M
53
53th pctile
Total Assets
Current: $205.2M · Tier avg: $217.5M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.98% · Tier avg: 22.39%
46
46th pctile
Total Deposits
Current: $151.6M · Tier avg: $183.7M
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.32% · Tier avg: 74.53%
Top Weaknesses
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.32% · Tier avg: 74.53%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.42% · Tier avg: 0.45%
46
46th pctile
Total Deposits
Current: $151.6M · Tier avg: $183.7M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.98% · Tier avg: 22.39%
53
53th pctile
Total Assets
Current: $205.2M · Tier avg: $217.5M
57
57th pctile
Total Loans
Current: $141.5M · Tier avg: $139.2M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 8.85%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.97% · Tier avg: 67.73%