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Sandhills State Bank
North Platte, NE · FDIC Certificate #13892 · Chartered 09/2
Total assets
$382.77M
Total deposits
$347.12M
Total equity
$33.93M
Net loans
$275.42M
Branches (offices)
10
Net income (YTD)
$2.92M
Rank: #2,134 of 4,213 U.S. banks by assets · #52 of 138 in Nebraska. Assets changed 6.1% and deposits 13.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.52% |
| Return on equity | 17.36% |
| Net interest margin (YTD) | 4.02% |
| Equity to assets | 8.86% |
| Tier 1 leverage ratio | 8.42% |
| Uninsured deposits (share of deposits) | 34.6% |
| Noncurrent loans (share of loans) | 0.16% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 79.3% |
| Real estate loans (share of loans) | 47.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $130.06M | 47.2% | |
| Commercial & industrial | $49.15M | 17.8% | |
| Consumer / individual | $2.11M | 0.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $97.13M | 35.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $349.96M | $308.56M | $1.82M | $29.27M |
| Jun 2023 | $347.50M | $293.77M | $2.12M | $29.19M |
| Jun 2024 | $349.45M | $301.18M | $1.91M | $30.02M |
| Jun 2025 | $360.75M | $305.78M | $2.54M | $31.88M |
| Jun 2026 | $382.77M | $347.12M | $2.92M | $33.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $347.12M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $347.12M.
Similar-sized banks
American Community Bank Of Indiana ($383.02M) · Earlham Savings Bank ($382.51M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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