Western Nebraska Bank
Curtis, NE · Cert 1983 · Peer group: banks under $1B in assets in NE (n=83) · WNB Holdings LLC
State charter, non-member · FDIC · 4 branches
Q2 2026
$193.3MAssets
$154.9MLoans
$163.7MDeposits
$16.2MEquity
Executive Summary
- Strongest standing: return on equity outperforms 87% of banks under $1B in assets in NE (rank 11 of 83).
- Widest gap: equity / assets trails 98% of banks under $1B in assets in NE (rank 81 of 83).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.25%
Rank 36 of 83
Net Interest Margin
4.17%
Rank 12 of 83
Efficiency Ratio
65.19%
Rank 55 of 83
Equity / Assets
8.38%
Rank 81 of 83
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 35% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.93% | 1.20% | 1.51% | Beats 57% | 36 / 83 | | |
| Return on Equity | 14.97% | 8.04% | 10.34% | 13.11% | Beats 87% | 11 / 83 | | |
| Net Interest Margin | 4.17% | 3.25% | 3.62% | 4.02% | Beats 86% | 12 / 83 | | |
| Efficiency Ratio | 65.19% | 51.13% | 59.95% | 67.19% | Beats 35% | 55 / 83 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.00% | 0.19% | 0.96% | Beats 72% | 24 / 83 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 46% | 46 / 83 | | |
| Capital |
| Tier 1 Capital Ratio | 10.07% | 10.94% | 13.24% | 16.62% | Beats 14% | 71 / 83 | | |
| Total Risk-Based Capital Ratio | 10.07% | 11.04% | 13.54% | 17.63% | Beats 14% | 71 / 83 | | |
| Equity / Assets | 8.38% | 9.90% | 11.31% | 13.84% | Beats 2% | 81 / 83 | | |
| Liquidity & Funding |
| Loans / Deposits | 94.59% | 71.97% | 83.15% | 92.22% | 81st pctl | 16 / 83 | | |
| Loans / Assets | 80.14% | 57.96% | 69.15% | 77.64% | 83rd pctl | 14 / 83 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |