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West Gate Bank

Lincoln, NE · Cert 19850 · West Gate Banshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating in a single state (n=257 to 258). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

26

Q2 2024Q2 2026peer median (50)

Asset Quality

78

Q2 2024Q2 2026peer median (50)

Profitability

24

Q2 2024Q2 2026peer median (50)

Liquidity

89

Q2 2024Q2 2026peer median

Efficiency

12

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

West Gate Bank

Lincoln, NE · Cert 19850 · West Gate Banshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.3BDeposits
$155.0MEquity
Loan mix
92%RE $925.1M8%C&I $78.7M0%Consumer $0.4MQ2 2025Q2 2026
Deposit mix
79%Interest-bearing $1.0B21%Noninterest $0.3BQ2 2025Q2 2026

NIM

5.70%Q2 ’245.17%Q2 ’255.15%Q2 ’26-1%+5%

Non-interest income vs. expense

2.34%Q2 ’243.06%Q2 ’253.59%Q2 ’26+13%+8%

Market Position · Lincoln, NE · 2026 SOD (annual) · 7.3% share · #4 of 33 inst. · $1.2B of $16.1B

7.9% Lancaster
0.2% Douglas
0.9% Sarpy

Executive Summary

  • Earnings: ROA of 0.97%, up 1 bps year over year; NIM at 3.09%.
  • Asset quality: problem loans at 0.25% of loans (-3 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.38%, down 177 bps from a year ago.
  • Funding: loans stand at 83.78% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%+1 bps YoY

Net Interest Margin (YTD, annualized)

3.09%+14 bps YoY

Efficiency Ratio (YTD, annualized)

76.60%+369 bps YoY

Tier 1 Leverage Ratio

10.38%-177 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.95%0.94%0.73%0.97%+1 bps
Return on Equity9.39%9.21%9.05%7.12%9.39%0 bps
Net Interest Margin2.95%2.90%2.92%3.14%3.09%+14 bps
Efficiency Ratio72.90%74.62%76.19%80.74%76.60%+369 bps
Non-Interest Burden1.82%1.78%1.85%2.20%1.97%+15 bps
Growth
Asset Growth (YoY)5.11%4.51%7.81%14.33%8.84%+373 bps
Loan Growth (YoY)3.48%3.08%6.86%13.45%11.93%+844 bps
Deposit Growth (YoY)-2.11%5.89%23.46%13.14%16.92%+1,903 bps
Asset Quality
Nonperforming Loans / Loans0.28%0.21%0.30%0.17%0.25%-3 bps
Net Charge-Offs / Loans0.01%0.01%0.01%0.00%0.00%0 bps
Allowance / Loans1.04%1.02%0.99%0.97%0.94%-10 bps
Allowance Coverage of NPLs3.8x5.0x3.3x5.7x3.8x+0.1x
Capital
Tier 1 Leverage Ratio12.15%11.88%11.51%11.28%10.38%-177 bps
Total Risk-Based Capital12.15%11.88%11.51%11.28%10.38%-177 bps
Equity / Assets10.04%10.45%10.44%10.16%10.52%+48 bps
Liquidity & Funding
Loans / Deposits87.52%85.31%84.18%86.92%83.78%-374 bps
Liquid Assets / Assets0.27%0.70%0.74%1.26%0.91%+64 bps
CRE / Total Capitaln/a291%294%307%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

West Gate Bank

Lincoln, NE · Cert 19850 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · West Gate Banshares Inc.

State charter, non-member · FDIC · 10 branches

Q2 2026

$1.5BAssets
$1.1BLoans
$1.3BDeposits
$155.0MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 87% of banks $1B-$10B in assets operating in a single state (rank 35 of 258).
  • Widest gap: total risk-based capital ratio trails 89% of banks $1B-$10B in assets operating in a single state (rank 230 of 258).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

0.95%

Rank 189 of 258

Net Interest Margin

3.09%

Rank 202 of 258

Efficiency Ratio

76.60%

Rank 228 of 257

Equity / Assets

10.52%

Rank 117 of 258

Non-interest income vs. expense

$24.8M$55.0MINCOMEEXPENSE
Unfavorable gap of $30.2M · efficiency ratio beats 12% of banks $1B-$10B in assets operating in a single state
Bank 76.60%Peer median 60.3%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.93%1.23%1.54%Beats 27%189 / 258
Return on Equity9.06%9.26%11.84%14.74%Beats 23%198 / 258
Net Interest Margin3.09%3.16%3.49%3.88%Beats 22%202 / 258
Efficiency Ratio76.60%51.71%60.30%69.65%Beats 12%228 / 257
Asset Quality
Nonperforming Loans / Loans0.25%0.19%0.46%0.90%Beats 68%83 / 258
Net Charge-Offs / Loans0.00%0.01%0.02%0.07%Beats 87%35 / 258
Capital
Tier 1 Capital Ratio10.38%11.41%12.98%15.12%Beats 13%225 / 258
Total Risk-Based Capital Ratio10.38%12.10%13.91%16.08%Beats 11%230 / 258
Equity / Assets10.52%9.09%10.24%11.72%Beats 55%117 / 258
Liquidity & Funding
Loans / Deposits83.78%73.24%86.34%95.95%43rd pctl147 / 258
Loans / Assets72.46%63.01%72.27%78.40%51st pctl127 / 258
Brokered Deposits / Depositsn/aNot reported for this institution