State Bank of Table Rock on Your Credit Report
In short: Headquartered in Table Rock, Nebraska, State Bank of Table Rock is a state-chartered commercial bank that is not a member of the Federal Reserve System. The charter behind FDIC certificate 9822 dates to October 26, 1885 — a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts. As of the 06/30/2026 call report, State Bank of Table Rock held $150 million in assets and operated 6 FDIC-reported offices. Accounts originated here are furnished by State Bank of Table Rock itself, which means a §623 dispute goes to the institution that holds the underlying file. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who State Bank of Table Rock actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
State Bank of Table Rock appears in FDIC records as certificate 9822 — $150 million in total assets, 6 offices, headquartered in Table Rock, Nebraska, on a charter 141 years old as of 2026.
How State Bank of Table Rock appears on your credit report
State Bank of Table Rock is an original creditor, not a collector, and that changes the mechanics. With 6 offices, the branch that opened the account is often still the fastest route to the original paperwork — ask for it by branch, not just by account number. Name the account by its last four digits and open date, state the one field you believe is wrong, and file the bureau dispute at the same time. Outcomes depend entirely on what the records show.
Names it may report under
Products that commonly show up
- ◆Small-business and agricultural credit carrying a personal guaranty
- ◆Auto and equipment loans financed through local dealers
- ◆Personal lines of credit tied to a State Bank of Table Rock deposit relationship
Grounds to dispute a State Bank of Table Rock entry
Each of these is a reason a State Bank of Table Rock tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Overdraft balance reported as a loan default rather than a deposit item
- ◆Payment posted at a branch on time but credited after the due date
- ◆Mortgage payoff recorded by the title company but not updated by State Bank of Table Rock
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
State Bank of Table Rock is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, State Bank of Table Rock has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send State Bank of Table Rock a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
State Bank of Table Rock questions, answered
Is State Bank of Table Rock FDIC-insured, and what is its certificate number?
Yes — deposits are FDIC-insured under certificate 9822. That record lists State Bank of Table Rock as a state-chartered commercial bank that is not a member of the Federal Reserve System headquartered in Table Rock, NE, chartered October 26, 1885, with $150 million in assets across 6 FDIC-reported offices on the 06/30/2026 call report.
Who regulates State Bank of Table Rock, and where do I escalate if a dispute fails?
As a state-chartered commercial bank that is not a member of the Federal Reserve System, State Bank of Table Rock answers primarily to the FDIC and its state banking regulator. Where a §611 and a §623 dispute both come back verified against documentation you hold, escalate to the CFPB, and note that FCRA §§616–617 create a private right of action. You do not need to hire anyone to take either step.
How many credit-card complaints does the CFPB show against State Bank of Table Rock?
None is listed. State Bank of Table Rock did not match any company key in the CFPB credit-card complaint dataset on an exact-name basis, and we decline to estimate from a loose match. You can search the public database yourself at consumerfinance.gov.
How long can a State Bank of Table Rock charge-off stay on my credit report?
The FCRA ceiling is roughly seven years measured from the date of first delinquency on the State Bank of Table Rock account. Charging the balance off, selling it, or moving it to another servicer does not restart that clock. If the date of first delinquency moves forward, that is re-aging — itself an FCRA violation worth disputing.
What is the difference between disputing with State Bank of Table Rock and disputing with a collector?
State Bank of Table Rock is the original creditor and holds the underlying file — application, statements, posting history. A collector holds only what was transferred with the account. That is why a §623 dispute to State Bank of Table Rock tends to resolve factual questions a collector simply cannot answer.
Does State Bank of Table Rock report to all three credit bureaus?
There is no legal requirement to report to every bureau, and banks this size often do not. Compare all three files first. With State Bank of Table Rock, a varying balance usually reflects different refresh dates; a varying account status or date of first delinquency is the real signal.
State Bank of Table Rock was acquired or changed names — why does my report show two accounts?
A single account showing twice is a classic conversion artifact. When State Bank of Table Rock migrates an account between core systems or through an acquisition, the old and new furnisher names can both persist. Push for removal of the duplicate entry instead of accepting a "closed" notation, which does not undo the scoring impact. In this case the charter is a nineteenth-century charter, which means its paper records long predate electronic furnishing and conversions have had decades to introduce artifacts.
Can I dispute State Bank of Table Rock reporting myself, without paying anyone?
Yes, and at no cost. Both the §611 bureau dispute and the §623 furnisher dispute are rights you already hold — no company is required to exercise them for you. Write to State Bank of Table Rock naming the specific field you believe is wrong, copy the bureaus, and keep proof of mailing. Outcomes depend on what the records show and vary by account.
What should I check first on State Bank of Table Rock reporting?
Start with the date of first delinquency, then the account status, then the high balance or limit — those three drive both the seven-year clock and the scoring weight. Match the State Bank of Table Rock entry to your statements before writing. A specific, documented inaccuracy moves an investigation that a blanket request will not.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by State Bank of Table Rock; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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