# SOUTH CENTRAL STATE BANK CAMPBELL, NE · FDIC certificate 16707 · asset band <$300M · latest filing 2026-06 · live **Verdict on the desk:** this could be *fortress*. Composite score 1 (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 | $192.1M | | | Deposits | $153.6M | | | Loans and leases | $131.5M | | | Total equity | $29.2M | | | Loans / deposits | 84.83% (p70 of band) | 73.59% | | Liquid assets / assets | 26.18% (p35 of band) | | | Uninsured deposits / deposits | 18.91% (p47 of band) | 19.81% | | Brokered deposits | 0.00% | | | Wholesale funding | 2.96% (p64 of band) | | | FHLB advances / assets | 2.96% | | | Tier 1 leverage | 15.15% (p77 of band) | 11.76% | | Unrealized securities loss / equity | -1.28% (p75 of band) | -6.57% | | AOCI / equity | 0.65% (p95 of band) | | | ROA (annualized) | 2.40% (p93 of band) | 1.17% | | Net interest margin | 4.82% (p86 of band) | 3.93% | | Efficiency ratio | 43.62% (p6 of band) | | | Noncurrent loans | 0.00% (p12 of band) | 0.36% | | Net charge-offs (annualized) | 0.11% (p88 of band) | | | Reserve coverage of noncurrent | – | | | Real estate % of loans | 76% | | | Construction % of loans | 191.73% (p99 of band) | | | Auto loans | $688,000 (0.52% of loans; DQ 0.00%, NCO 0.00%) | | | Loans to nondepository financials | $0 (0% of equity) (p48 of band) | | | Deposits YoY | 0.3% | | | Employees | 21 | | ## Flags firing in the latest filing - **construction >100% equity** (`conc_construction`) ## Warning timeline | Quarter | Score | Flags that first fired | Flags that cleared | |---|---|---|---| | 2011-03 | 0 | | | | 2011-06 | 0 | | | | 2011-09 | 0 | | | | 2011-12 | 1 | wholesale funding >15% | | | 2012-03 | 1 | capital falling | wholesale funding >15% | | 2012-06 | 0 | | capital falling | | 2012-09 | 0 | | | | 2012-12 | 0 | | | | 2013-03 | 1 | capital falling | | | 2013-06 | 0 | | capital falling | | 2013-09 | 1 | deposits shrinking | | | 2013-12 | 0 | | deposits shrinking | | 2014-03 | 0 | | | | 2014-06 | 1 | uninsured deposits leaving | | | 2014-09 | 0 | | uninsured deposits leaving | | 2014-12 | 2 | wholesale funding >15%, capital falling | | | 2015-03 | 0 | | wholesale funding >15%, capital falling | | 2015-06 | 0 | | | | 2015-09 | 1 | wholesale funding >15% | | | 2015-12 | 1 | | | | 2016-03 | 1 | deposits shrinking | wholesale funding >15% | | 2016-06 | 0 | | deposits shrinking | | 2016-09 | 0 | | | | 2016-12 | 0 | | | | 2017-03 | 0 | | | | 2017-06 | 0 | | | | 2017-09 | 0 | | | | 2017-12 | 1 | construction >100% equity | | | 2018-03 | 1 | | | | 2018-06 | 1 | | | | 2018-09 | 1 | | | | 2018-12 | 1 | | | | 2019-03 | 1 | | | | 2019-06 | 1 | | | | 2019-09 | 1 | | | | 2019-12 | 2 | deposits shrinking, assets shrinking | construction >100% equity | | 2020-03 | 1 | construction >100% equity | deposits shrinking, assets shrinking | | 2020-06 | 1 | | | | 2020-09 | 1 | | | | 2020-12 | 2 | reserve under noncurrent | | | 2021-03 | 2 | | | | 2021-06 | 3 | capital falling, charge-offs p90 | reserve under noncurrent | | 2021-09 | 2 | | capital falling | | 2021-12 | 2 | | | | 2022-03 | 2 | capital falling | charge-offs p90 | | 2022-06 | 2 | | | | 2022-09 | 1 | | capital falling | | 2022-12 | 1 | | | | 2023-03 | 2 | uninsured deposits leaving | | | 2023-06 | 3 | deposits shrinking | | | 2023-09 | 2 | | deposits shrinking | | 2023-12 | 2 | wholesale funding >15% | uninsured deposits leaving | | 2024-03 | 1 | | wholesale funding >15% | | 2024-06 | 1 | | | | 2024-09 | 2 | wholesale funding >15% | | | 2024-12 | 3 | deposits shrinking | | | 2025-03 | 1 | | wholesale funding >15%, deposits shrinking | | 2025-06 | 3 | reserve under noncurrent, assets shrinking | | | 2025-09 | 2 | | reserve under noncurrent | | 2025-12 | 1 | | assets shrinking | | 2026-03 | 2 | charge-offs p90 | | | 2026-06 | 1 | | charge-offs p90 | ## In the news (Google News, unfiltered, newest first; check the city) - 2026-05-08 [KTIC 840 AM/98.3 FM/98.7 FM - Bankers Graduate from Leadership Program - Rural Radio Network](https://news.google.com/rss/articles/CBMif0FVX3lxTFBzTmxqNDRsZlV4ejM5XzV5NmpZVlI5aXhiNFUwVlJOX2gyTEpyeDVTemNseDFINkRET0VTMWZ4aWU1dVo0WDB2a0ItUkRaZWFvbGcydzQ3NlhlY005NDV5d3VUdTlzMU1mb0h5TUUtaDdsOVhBbkl6M090d2cxTFU?oc=5) · Rural Radio Network - 2025-05-17 [Broken Bow native named Bankers Association Chair - Sandhills Express](https://news.google.com/rss/articles/CBMilAFBVV95cUxNcy1hS3BNXzRGcURsTTNZQzB0TmF6dEhJU2hiRVZQU1NBNGw5UXcyX04yRjk4YkYzZ2NPMDBtM0FXOHdLLVNvaTJqRy15bkNNYkdPTTVuZWJmbTZ5WnNoR1NHV1pFaFZMMGhqWk5mRVNkRXBFQkQwZ0R4dXVmOGlOZUQyeWIxak8zblVBQjlmZE5FNUpq?oc=5) · Sandhills Express - 2026-01-29 [The Best Savings Accounts in Nebraska for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMieEFVX3lxTE5CN3VDb2daaFo5UjAySmwyck5seWViTXZzWUlyVjVxMktUZFBndmZhdWpFR29jYk93U3Qza2JFVXpQXzhHMC1mWERNdWlCTloxcy1WTEZuSzR5Z2dSRzdEZU55NUNjMEhuUktKdWVONUFlM2VKWGVxMQ?oc=5) · moneyrates.com - 2017-08-04 [NE Cattlemen talk trade, property taxes and more - Tri-State Livestock News](https://news.google.com/rss/articles/CBMif0FVX3lxTE12Nk1XMWtIZy11MkpwOE1XYUNEb2wtWTZJemJuMFdUYngzaVdaLWtTNnFzR3VUeVpvbkEwMVlDT01OdFBrbXZQdkFTRU5TU1dSX0c5dk9pZFZ2WGJ2OHUxcm5iZWZ0bDFDQlJtY0R6STVuX0hGT0dTc25Pd1hNS2c?oc=5) · Tri-State Livestock News - 2019-04-18 [Kerby Lee Strayer Obituary Apr 18, 2019 - Garey Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTE8wSnBhWW5QUWpSTzE0MlM4c2dLWDZvaGM5S19XVkYyS1c3TzVadVIteTFtREFtM1E5REZoSjJoTUxCOHFOT25oN1hORE1HdHlUMjV0dDMyZHhENXJwR0R1QmFUMVVVQzFzcVNF?oc=5) · Garey Funeral Home - 2016-10-11 [Marjorie Parr Obituary Oct 11, 2016 - Livingston Butler Volland Funeral Home & Cremation Center](https://news.google.com/rss/articles/CBMiWkFVX3lxTE5QREpRNHcxQ3Z3eTNpNDh3VWlKUFc5aFE3Y1lnSGVHVmRtMnNOTi0xWjNfOXpuSzVjLUp4Uk1lY3dHT09idUM1RzBEWGpBSDZfYnpBZ1IxcEE3QQ?oc=5) · Livingston Butler Volland Funeral Home & Cremation Center - 2023-10-10 [Meet the author of 'God is Powerful...and there is something He has for you to do - KHGI](https://news.google.com/rss/articles/CBMivgFBVV95cUxPNThHVi1Kc3VEWUEzMGU3bGMyUHllT2JOVXNKZ1ByNE1wOGJ0Y2xDdHdDcjhEczJYc0R0QUpiUkV6aFVTWXpwTWEtWkdDcWpIVjZhZjgzeGYtb2NTZ0JKdGJmTWdsRTlrNF8wcnZaYk9ENWVwUWFoYjM0X2p6UXBrNWhQdWY2X3lBTll3ZkIyQmdubG5kc01PcXMyTzZMTktTcHNhdUQ4MGdsZnNVZ2Z4VDllLVhnZVlJN3NOY2xR?oc=5) · KHGI ## How to verify - Page: https://getbookiq.com/bank-desk/#bank=16707 (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/3.json (key "16707", 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. --- Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide