Battle Creek State Bank: how it compares with its peers
Against 44 NE banks with half to twice its assets, Battle Creek State Bank's strongest measure in Q2 2026 is net interest margin (3.89% vs. a 3.77% peer median). Its weakest relative measure is assets per employee ($5.9M vs. $7.9M).
| Measure | Battle Creek State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.03% | 1.29% | Middle third Ahead of 34% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.89% | 3.77% | Middle third Ahead of 52% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 74.37% | 63.44% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.9M | $7.9M | Bottom third Ahead of 7% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.77% | 76.54% | Context |
What it means for lending operations
Its efficiency ratio of 74.37% is above the 63.44% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Genoa Community Bank Genoa, NE · $70M
- Adams State Bank Adams, NE · $70M
- American Exchange Bank Elmwood, NE · $70M
- Nebraska State Bank Oshkosh, NE · $74M
- Commercial State Bank Republican City, NE · $76M
- Stanton State Bank Stanton, NE · $65M
Questions about Battle Creek State Bank
How big is Battle Creek State Bank?
Battle Creek State Bank, established in 1943, is headquartered in Battle Creek, NE. It reported $71M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Battle Creek State Bank's return on assets?
1.03% annualized in Q2 2026, against a 1.29% median for 44 NE banks with half to twice its assets, ahead of 34% of them.
What is Battle Creek State Bank's efficiency ratio?
74.37% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 63.44%, and lower is better.
Is Battle Creek State Bank growing its loans?
Net loans grew 105.6% over the year to Q2 2026, while deposits grew 66.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.