TellerScore

Headquartered in Table Rock, Nebraska, State Bank of Table Rock is a state-chartered bank with $150.4M in total assets and $118.5M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1885.

State Bank of Table Rock has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 112th. Problem-loan coverage contributes the most (87/100, 6.6%); capital cushion contributes the least (47/100, 9.72%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.72%
Loan quality74/100
Noncurrent loans ÷ total loans: 0.79%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 109.1% · 6.1% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.58%

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 (65 → 64).

TellerScore
636873Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202467
Q4 202465
Q1 202563
Q2 202565
Q3 202568
Q4 202571
Q1 202673
Q2 202664
Tier 1 leverage ratio
5.00%7.36%9.72%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.19%
Q3 20248.97%
Q4 20248.76%
Q1 20258.72%
Q2 20259.02%
Q3 20259.54%
Q4 20259.71%
Q1 20269.70%
Q2 20269.72%
Noncurrent loans
0.00%0.40%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.35%
Q4 20240.33%
Q1 20250.47%
Q2 20250.35%
Q3 20250.26%
Q4 20250.00%
Q1 20260.00%
Q2 20260.79%
Return on assets
1.19%1.32%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.42%
Q3 20241.46%
Q4 20241.19%
Q1 20251.20%
Q2 20251.25%
Q3 20251.38%
Q4 20251.25%
Q1 20261.39%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$150.4M9.72%0.79%1.40%109.1%
Q1 202673$148.5M9.70%0.00%1.39%105.1%
Q4 202571$142.8M9.71%0.00%1.25%112.0%
Q3 202568$142.3M9.54%0.26%1.38%115.9%
Q2 202565$146.3M9.02%0.35%1.25%109.6%
Q1 202563$146.1M8.72%0.47%1.20%105.2%
Q4 202465$143.0M8.76%0.33%1.19%107.5%
Q3 202467$140.0M8.97%0.35%1.46%106.9%
Q2 202470$131.6M9.19%0.02%1.42%112.7%

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).

Capital ratio9.72%
26th
Total risk-based capital0.00%
24th
Problem loans0.79%
34th
Net charge-offs0.00%
55th
Return on assets1.40%
59th
Net interest margin4.37%
73rd
Efficiency ratio65.6%
41st
Loans to deposits109.1%
3rd
Uninsured deposits6.1%
98th
Loan-loss reserves1.05%
33rd
Texas ratio6.6%
28th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of HartingtonBank Hartington, NE72 out of 100, Strong$151.0M9.0%0.00%vs
Farmers and Merchants Bank of AshlandBank Ashland, NE71 out of 100, Strong$152.2M10.0%0.42%vs
Legends West BankBank Lewellen, NE69 out of 100, Moderate$157.8M11.5%0.35%vs
Bank of Dixon CountyBank Ponca, NE70 out of 100, Strong$141.7M13.3%2.04%vs
Hershey BankBank Hershey, NE67 out of 100, Moderate$141.1M13.2%1.22%vs
West Plains BankBank Ainsworth, NE91 out of 100, Very strong$139.3M14.8%0.00%vs

Deposit insurance

Is my money safe at State Bank of Table Rock?

Yes. State Bank of Table Rock is an FDIC-insured institution (FDIC certificate #9822). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 6.1% of deposits ($7.3M) 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 9.72%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

State Bank of Table Rock lists 6 offices in 6 cities. Most locations:

  • Du Bois, NE (1)
  • Humboldt, NE (1)
  • Pawnee City, NE (1)
  • Roca, NE (1)
  • Table Rock, NE (1)
  • Tecumseh, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, State Bank of Table Rock reported 78 home-loan applications under HMDA (LEI 254900HWJXFZVFUU8M81): 72 originated ($13,050,000 total), 6 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
State Bank of Table Rock
Type
State-chartered bank
FDIC certificate #
9822
RSSD ID
660253
Primary regulator
FDIC
Holding company
Duroc Investment Co
Established
October 26, 1885
Headquarters
402 Houston Street, Table Rock, NE 68447
Employees
29

Quick answers

State Bank of Table Rock: common questions

Is State Bank of Table Rock FDIC insured?

Yes. State Bank of Table Rock is an FDIC-insured institution (FDIC certificate #9822). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is State Bank of Table Rock's TellerScore?

64 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 State Bank of Table Rock ever failed?

There is no failure record for FDIC certificate #9822 in the FDIC failed bank list.

How many branches does State Bank of Table Rock have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Table Rock

InstitutionScoreAssetsCapitalProblem loansCompare
The State Bank of BernBank Bern, KS95 out of 100, Very strong$128.2M17.3%0.00%vs
Auburn State BankBank Auburn, NE91 out of 100, Very strong$251.3M15.1%0.00%vs
The First National Bank of JohnsonBank Johnson, NE88 out of 100, Very strong$95.6M15.2%0.00%vs
Tecumseh Federal BankBank Tecumseh, NE83 out of 100, Strong$53.1M21.3%0.17%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
FirstBank of NebraskaBank Wahoo, NE77 out of 100, Strong$498.1M11.2%0.89%vs