Headquartered in Campbell, Nebraska, South Central State Bank is a state-chartered bank with $192.1M in total assets and $153.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1948.
South Central State Bank has a TellerScore of 96 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 2nd. Capital cushion contributes the most (100/100, 15.15%); funding & liquidity contributes the least (71/100, 85% loans-to-deposits, 19% uninsured).
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
From Q2 2025 to Q2 2026, the score rose 24 points (72 → 96), mostly because the loan quality component improved by 76 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 88 |
| Q3 2024 | 89 |
| Q4 2024 | 82 |
| Q1 2025 | 86 |
| Q2 2025 | 72 |
| Q3 2025 | 89 |
| Q4 2025 | 87 |
| Q1 2026 | 96 |
| Q2 2026 | 96 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.68% |
| Q3 2024 | 13.16% |
| Q4 2024 | 12.76% |
| Q1 2025 | 13.31% |
| Q2 2025 | 14.11% |
| Q3 2025 | 14.85% |
| Q4 2025 | 14.43% |
| Q1 2026 | 14.70% |
| Q2 2026 | 15.15% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.62% |
| Q1 2025 | 0.70% |
| Q2 2025 | 2.28% |
| Q3 2025 | 0.70% |
| Q4 2025 | 0.60% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 1.95% |
| Q4 2024 | 1.93% |
| Q1 2025 | 2.10% |
| Q2 2025 | 2.19% |
| Q3 2025 | 2.19% |
| Q4 2025 | 2.10% |
| Q1 2026 | 2.38% |
| Q2 2026 | 2.40% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 96 | $192.1M | 15.15% | 0.00% | 2.40% | 84.8% |
| Q1 2026 | 96 | $187.9M | 14.70% | 0.00% | 2.38% | 77.9% |
| Q4 2025 | 87 | $205.2M | 14.43% | 0.60% | 2.10% | 93.3% |
| Q3 2025 | 89 | $186.1M | 14.85% | 0.70% | 2.19% | 81.8% |
| Q2 2025 | 72 | $190.7M | 14.11% | 2.28% | 2.19% | 81.1% |
| Q1 2025 | 86 | $190.4M | 13.31% | 0.70% | 2.10% | 77.8% |
| Q4 2024 | 82 | $206.9M | 12.76% | 0.62% | 1.93% | 93.5% |
| Q3 2024 | 89 | $202.8M | 13.16% | 0.00% | 1.95% | 92.6% |
| Q2 2024 | 88 | $201.2M | 12.68% | 0.00% | 1.98% | 88.8% |
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 |
|---|---|---|---|---|---|
| Western Nebraska BankBank Curtis, NE | 75 out of 100, Strong | $193.3M | 10.1% | 0.01% | vs |
| United Republic BankBank Elkhorn, NE | 36 out of 100, Low | $185.8M | 11.6% | 4.89% | vs |
| First State BankBank Farnam, NE | 79 out of 100, Strong | $199.5M | 11.9% | 0.33% | vs |
| York State BankBank York, NE | 90 out of 100, Very strong | $200.2M | 13.9% | 0.20% | vs |
| Minden Exchange Bank & Trust CompanyBank Minden, NE | 82 out of 100, Strong | $201.4M | 19.8% | 1.23% | vs |
| Foundation One BankBank Waterloo, NE | 65 out of 100, Moderate | $182.2M | 9.8% | 0.41% | vs |
Deposit insurance
Is my money safe at South Central State Bank?
Yes. South Central State Bank is an FDIC-insured institution (FDIC certificate #16707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.9% of deposits ($29.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 15.15%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 15.78% (benchmark: 10%).
5 locations
Branches
South Central State Bank lists 5 offices in 5 cities. Most locations:
- Blue Hill, NE (1)
- Campbell, NE (1)
- Franklin, NE (1)
- Oxford, NE (1)
- Red Cloud, NE (1)
Identity & history
Profile
- Legal name
- South Central State Bank
- Former names
- Campbell State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16707
- RSSD ID
- 74056
- Primary regulator
- FDIC
- Holding company
- Campbell State Co
- Established
- January 1, 1948
- Headquarters
- 673 Broad St, Campbell, NE 68932
- Employees
- 21
Quick answers
South Central State Bank: common questions
Is South Central State Bank FDIC insured?
Yes. South Central State Bank is an FDIC-insured institution (FDIC certificate #16707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is South Central State Bank's TellerScore?
96 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has South Central State Bank ever failed?
There is no failure record for FDIC certificate #16707 in the FDIC failed bank list.
How many branches does South Central State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Campbell
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hastings Federal Credit UnionCredit union Hastings, NE | 93 out of 100, Very strong | $52.0M | 20.8% | 0.36% | vs |
| Heritage BankBank Wood River, NE | 86 out of 100, Very strong | $611.6M | 23.0% | 1.18% | vs |
| First State BankBank Loomis, NE | 84 out of 100, Strong | $232.5M | 11.8% | 0.01% | vs |
| Adams County BankBank Kenesaw, NE | 83 out of 100, Strong | $241.1M | 11.8% | 0.00% | vs |
| Minden Exchange Bank & Trust CompanyBank Minden, NE | 82 out of 100, Strong | $201.4M | 19.8% | 1.23% | vs |
| Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE | 80 out of 100, Strong | $562.9M | 13.4% | 0.19% | vs |