Battle Creek State Bank


202 W Main St
Battle Creek, NE 68715
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Notable Rates APY Vs.Others
Savings N.A. 5.02% →
1-Year CD N.A. 5.25% →
2-Year CD N.A. 5.10% →
5-Year CD N.A. 4.50% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Bank Information

Battle Creek State Bank is an FDIC insured institution located in Battle Creek, NE. It was founded in 1943 and has approximately $0.04 billion in assets.

FDIC Insured Yes
FDIC Certificate # 16330
Date Established 1943
Assets $ 43.38 million
Loans $ 26.41 million
Deposits $ 34.08 million
Capital $ 4.54 million

For a more detailed analysis of Battle Creek State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 1, 2023

Your Current Location: Virginia, VA 20146


Loan Rates - April 1, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Battle Creek State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 1907
6.312% 6.125%
1.00 points
$5,000 fees
$1,520 Learn More
NMLS ID: Not lender

Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 7.490 %
After Intro: 8.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.990 %
$0 Learn More
More Info

Note to Battle Creek State Bank
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Financial Details

Battle Creek State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Battle Creek State Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Battle Creek State Bank U.S. Bank Average
0% 8.03%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2022, Battle Creek State Bank had $0 in non-current loans and $0 in owned real estate. To cover these potential losses it had $4,539,000 in equity and $407,000 in loans loss reserves. That gives it a Texas Ratio of 0%.

Return on Equity
Battle Creek State Bank U.S. Bank Average
3.99% 10.00%

Battle Creek State Bank has a Return on Equity of 3.99% versus the BestCashCow average of 10.00%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Battle Creek State Bank U.S. Bank Average
10.46% 9.96%

Battle Creek State Bank has a Capitalization of 10.46% versus the BestCashCow average of 9.96. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Battle Creek State Bank Balance Sheet Analysis

As of September 30, 2022, Battle Creek State Bank had assets of $43,376,000, loans of $26,411,000, and deposits of $34,080,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

September 30, 2022
Cash & Balances due from depository institutions $ 8.39 million
Interest-bearing balances $ 7.63 million
Total securities $ 4.46 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 26.41 million
Loan loss allowance $ 0.41 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.40 million
     Total Assets $ 35.26 million
Total deposits $ 34.08 million
      Interest-bearing deposits $ 26.27 million
      Deposits held in domestic offices $ 34.08 million
      % insured (estimated) 88.61%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 1.00 million
Subordinated debt N.A.
All other liabilities $ 0.15 million
      Total Liabilities $ 35.26 million
      Shareholders’ Equity $ 8.12 million

Summary Income Statement

September 30, 2022
Total Interest Income $ 0.94 million
Total Interest Expense $ 0.16 million
Net interest income $ 0.77 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.12 million
Total non interest expense $ 0.69 million
Pre-tax Net Operating Income $ 0.11 million

Bank Loan Profile?

The top three loan types in Battle Creek State Bank’s loan portfolio are Commercial and Industrial Loans, Farm Loans, and Commercial Real Estate.

Compared to other banks in Nebraska, Battle Creek State Bank has a significantly higher percent of Small Business Loans, Commercial and Industrial Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 1.29
Credit Card Loans 0.00
Consumer Auto Loans 0.44
Small Business Loans 3.89
Construction and Development Loans 0.00
Commercial Real Estate 3.95
Commercial and Industrial Loans 81.47
Farm Loans 5.14

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