# SANDHILLS STATE BANK
NORTH PLATTE, NE · FDIC certificate 13892 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $382.8M | |
| Deposits | $347.1M | |
| Loans and leases | $278.4M | |
| Total equity | $33.9M | |
| Loans / deposits | 79.35% (p44 of band) | 82.04% |
| Liquid assets / assets | 23.09% (p44 of band) | |
| Uninsured deposits / deposits | 34.59% (p78 of band) | 25.97% |
| Brokered deposits | 0.80% | |
| Wholesale funding | 0.80% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.42% (p5 of band) | 10.81% |
| Unrealized securities loss / equity | -13.51% (p35 of band) | -8.10% |
| AOCI / equity | -0.78% (p31 of band) | |
| ROA (annualized) | 1.52% (p65 of band) | 1.28% |
| Net interest margin | 4.02% (p56 of band) | 3.91% |
| Efficiency ratio | 59.13% (p43 of band) | |
| Noncurrent loans | 0.16% (p30 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 660.04% | |
| Real estate % of loans | 47% | |
| Construction % of loans | 0.00% (p2 of band) | |
| Auto loans | $1.4M (0.51% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 13.5% | |
| Employees | 46 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | losing money, expense ratio p90, NIM <2.5% |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 4 | capital falling |  |
| 2011-12 | 3 |  | capital falling |
| 2012-03 | 1 |  | losing money, expense ratio p90 |
| 2012-06 | 0 |  | NIM <2.5% |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | loans exceed deposits |  |
| 2013-09 | 0 |  | loans exceed deposits |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2014-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2014-12 | 1 | capital falling |  |
| 2015-03 | 2 | wholesale funding >15% |  |
| 2015-06 | 1 |  | wholesale funding >15% |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2016-09 | 3 | brokered >10%, capital falling | loans exceed deposits |
| 2016-12 | 0 |  | wholesale funding >15%, brokered >10%, capital falling |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | loans exceed deposits |  |
| 2017-09 | 0 |  | loans exceed deposits |
| 2017-12 | 1 | brokered >10% |  |
| 2018-03 | 1 | reserve under noncurrent | brokered >10% |
| 2018-06 | 2 | loans exceed deposits, wholesale funding >15% | reserve under noncurrent |
| 2018-09 | 0 |  | loans exceed deposits, wholesale funding >15% |
| 2018-12 | 3 | loans exceed deposits, charge-offs p90, deposits shrinking |  |
| 2019-03 | 0 |  | loans exceed deposits, charge-offs p90, deposits shrinking |
| 2019-06 | 2 | capital falling, reserve under noncurrent |  |
| 2019-09 | 0 |  | capital falling, reserve under noncurrent |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | charge-offs p90 | capital falling |
| 2021-06 | 0 |  | charge-offs p90 |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | capital falling |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity | capital falling |
| 2022-09 | 2 | securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 3 | capital falling, securities losses >30% of equity, deposits shrinking |  |
| 2023-12 | 0 |  | capital falling, securities losses >30% of equity, deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 1 | brokered >10% |  |
| 2024-12 | 2 | capital falling |  |
| 2025-03 | 0 |  | brokered >10%, capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-18 [Sandhills State Bank donates $5,000 to Brady Volunteer Fire Department after fires - knopnews2.com](https://news.google.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?oc=5) · knopnews2.com
- 2025-07-04 [Casey Henderson Obituary Jul 4, 2025 - Govier Brothers Mortuary & Crematory](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5uOHpNS1FrUXJIcllrOG1hdXRqMnhWVkg4MXYzbExfcG5ROVN5b2NTU3VlWnJSWTZ1aGpsSXluSEh2VzE3c0IzT1FZa0lQM2ljRWtWUlNyQkM2T2NsUklSMnNFN1UtZHFi?oc=5) · Govier Brothers Mortuary &amp; Crematory
- 2026-04-29 [Nebraska ranchers share hard lessons, hope after historic wildfires - Rural Radio Network](https://news.google.com/rss/articles/CBMioAFBVV95cUxQT0c5eV8xU01yMkdpdGVQMFBGQ3dwT1RmVmhEYW9FZTZ6cjExMlZYcm1VdlMxRXdKSVhncHVxcndOMDBwcFBKTTlnek1Tcl8zSTYxOVJQNVdvTFdKbzhRd3V1YjRmUlR1MzZzYm5MMkxFbzZRQkVNOENiZHBnLWpHWDdpZHNjREdjenJIb0RyRFNyZ2ZPNDFuVXVDcmVkRHhT?oc=5) · Rural Radio Network
- 2023-12-27 [New Wauneta office looks to continue Northwestern Mutual’s success in area - Imperial Republican |](https://news.google.com/rss/articles/CBMivwFBVV95cUxOQ185SHUxeEVWWUhpZ09PWkhWWHl2R3lnSFRhR3RWcGU3aF8yNTMzRW5vQWt0VURQWXNOT3JaVC1JMmFBc29LZEZqTGdxQ1hTaExXSGVpVHEweW03eXBrYXlGQWFFUGZkQkVpODdvWXR0U1VKSXRuN0RFZEtNMktROVNNQUhwQnlBM0xsU3RETVlhV1J2dlk0alUzSld3R0dtYTNmczc0TENqY3QtOTVjcVpMV1l5NTVhSzRlSVhacw?oc=5) · Imperial Republican |
- 2026-07-25 [Colt Marshall Gray Obituary (2026) - Lusk, WY - Pier Funeral Home - Lusk - Legacy obituary](https://news.google.com/rss/articles/CBMifEFVX3lxTE50ZWpxWVNzSHFDdWV4MEU4b0NiRTlhUndzVUlSRC12Y3MySWlWdUxiQ0Ryd3RHNXh2ODFtOFIwcnRYQ3dvWTJWWElXd2d2U3YzaDFLRWlpZWtvZGtNcHNLbEMteVphU1YyNldqYzZaUko0b1NWQWd6ajE1eVE?oc=5) · Legacy obituary
- 2017-10-16 [David Hebbert Obituary Oct 16, 2017 - Draucker Funeral Home](https://news.google.com/rss/articles/CBMiYEFVX3lxTE1jclN3Vm9NSVFSZm9GSlJ2UkVDOUdCQXdEYU1ISHR6dlVtVXFwbkFJZFF1UFJHNG5sTThnbnowLWdVQ0Rkd3NsdzhfTHB2R3RxQnhwZlR1dFcwOFo5Sk5IaA?oc=5) · Draucker Funeral Home
- 2026-04-26 [KNEB-AM 960 AM – 100.3 FM - Nebraska Wildfires Ranchers Share Recovery Stories + Expert Advice for What’s Next - Rural Radio Network](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOMkN2U3dFUlV3Nm9Za1BzbHdrbEJja29GeTRJbWMybUg3ZFhuVlFzM0REQkl3YWczU1R0djdXTDh1WnhEUU5CMWZlSjlwcHBpWkhObkJqdnh2Q1o4d3lMeS1rTVgtT1RucF9kQVVGRzBOR081Qm9wTW5EbDZUN0hqRWN1S2NaMS1mN1ptcW9iYklSNnA4LVo0ZV91UU5NYzNoT1VlQ2NIVkFaMnhSUnZZRm5lSjc4Mms1?oc=5) · Rural Radio Network

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13892 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/4.json (key "13892", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide