Sandhills State Bank (FDIC certificate #13892) is based in North Platte, Nebraska. Its Q2 2026 call report shows $382.8M in total assets and $347.1M in deposits and 10 offices.
Sandhills State Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 97th. Problem-loan coverage contributes the most (98/100, 1.2%); capital cushion contributes the least (34/100, 8.42%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (69 → 69).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 67 |
| Q3 2024 | 66 |
| Q4 2024 | 67 |
| Q1 2025 | 70 |
| Q2 2025 | 69 |
| Q3 2025 | 69 |
| Q4 2025 | 67 |
| Q1 2026 | 70 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.97% |
| Q3 2024 | 8.64% |
| Q4 2024 | 8.51% |
| Q1 2025 | 8.82% |
| Q2 2025 | 8.93% |
| Q3 2025 | 8.83% |
| Q4 2025 | 8.07% |
| Q1 2026 | 8.38% |
| Q2 2026 | 8.42% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.10% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.10% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.15% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.16% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.11% |
| Q3 2024 | 1.09% |
| Q4 2024 | 1.19% |
| Q1 2025 | 1.40% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.41% |
| Q4 2025 | 1.37% |
| Q1 2026 | 1.56% |
| Q2 2026 | 1.52% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $382.8M | 8.42% | 0.16% | 1.52% | 79.3% |
| Q1 2026 | 70 | $374.8M | 8.38% | 0.13% | 1.56% | 76.2% |
| Q4 2025 | 67 | $392.6M | 8.07% | 0.13% | 1.37% | 74.7% |
| Q3 2025 | 69 | $370.3M | 8.83% | 0.15% | 1.41% | 76.5% |
| Q2 2025 | 69 | $360.8M | 8.93% | 0.16% | 1.43% | 87.2% |
| Q1 2025 | 70 | $355.2M | 8.82% | 0.10% | 1.40% | 82.7% |
| Q4 2024 | 67 | $348.5M | 8.51% | 0.10% | 1.19% | 84.1% |
| Q3 2024 | 66 | $357.7M | 8.64% | 0.10% | 1.09% | 81.6% |
| Q2 2024 | 67 | $349.5M | 8.97% | 0.10% | 1.11% | 87.2% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Nebraska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Banner Capital BankBank Harrisburg, NE | 69 out of 100, Moderate | $379.8M | 11.0% | 1.31% | vs |
| Lincoln FSB of NebraskaBank Lincoln, NE | 69 out of 100, Moderate | $387.3M | 11.7% | 0.46% | vs |
| Waypoint BankBank Cozad, NE | 75 out of 100, Strong | $391.5M | 10.9% | 0.59% | vs |
| Great Plains State BankBank Petersburg, NE | 45 out of 100, Below average | $392.0M | 10.8% | 4.14% | vs |
| First Nebraska BankBank Valley, NE | 75 out of 100, Strong | $371.4M | 10.3% | 0.23% | vs |
| First Westroads Bank, Inc.Bank Omaha, NE | 77 out of 100, Strong | $394.9M | 11.4% | 0.10% | vs |
Deposit insurance
Is my money safe at Sandhills State Bank?
Yes. Sandhills State Bank is an FDIC-insured institution (FDIC certificate #13892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 34.6% of deposits ($120.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.42%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.82% (benchmark: 10%).
10 locations
Branches
Sandhills State Bank lists 10 offices in 10 cities. Most locations:
- Alliance, NE (1)
- Arthur, NE (1)
- Bassett, NE (1)
- Grant, NE (1)
- Harrison, NE (1)
- Hyannis, NE (1)
- North Platte, NE (1)
- Ogallala, NE (1)
- Valentine, NE (1)
- Wauneta, NE (1)
Identity & history
Profile
- Legal name
- Sandhills State Bank
- Former names
- Commercial Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13892
- RSSD ID
- 987259
- Primary regulator
- FDIC
- Holding company
- Sandhills Finl Services Llc
- Established
- September 22, 1902
- Headquarters
- 203 S Dewey St, North Platte, NE 69101
- Website
- sandhills.bank
- Employees
- 46
Quick answers
Sandhills State Bank: common questions
Is Sandhills State Bank FDIC insured?
Yes. Sandhills State Bank is an FDIC-insured institution (FDIC certificate #13892). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sandhills State Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sandhills State Bank ever failed?
There is no failure record for FDIC certificate #13892 in the FDIC failed bank list.
How many branches does Sandhills State Bank have?
10 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near North Platte
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| North Platte Union Pacific Employee Credit UnionCredit union North Platte, NE | 86 out of 100, Very strong | $43.4M | 16.5% | 0.75% | vs |
| Adams Bank & TrustBank Ogallala, NE | 82 out of 100, Strong | $1.3B | 14.1% | 0.55% | vs |
| Western Nebraska BankBank Curtis, NE | 75 out of 100, Strong | $193.3M | 10.1% | 0.01% | vs |
| First National Bank of OmahaBank Omaha, NE | 72 out of 100, Strong | $34.2B | 10.8% | 0.78% | vs |
| Henderson State BankBank Henderson, NE | 72 out of 100, Strong | $678.5M | 10.4% | 0.27% | vs |
| Equitable BankBank Grand Island, NE | 72 out of 100, Strong | $523.5M | 10.4% | 0.01% | vs |