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
Unfavorable gap of $30.2M · efficiency ratio beats 12% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.93% | 1.23% | 1.54% | Beats 27% | 189 / 258 | | |
| Return on Equity | 9.06% | 9.26% | 11.84% | 14.74% | Beats 23% | 198 / 258 | | |
| Net Interest Margin | 3.09% | 3.16% | 3.49% | 3.88% | Beats 22% | 202 / 258 | | |
| Efficiency Ratio | 76.60% | 51.71% | 60.30% | 69.65% | Beats 12% | 228 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.25% | 0.19% | 0.46% | 0.90% | Beats 68% | 83 / 258 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.02% | 0.07% | Beats 87% | 35 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 10.38% | 11.41% | 12.98% | 15.12% | Beats 13% | 225 / 258 | | |
| Total Risk-Based Capital Ratio | 10.38% | 12.10% | 13.91% | 16.08% | Beats 11% | 230 / 258 | | |
| Equity / Assets | 10.52% | 9.09% | 10.24% | 11.72% | Beats 55% | 117 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.78% | 73.24% | 86.34% | 95.95% | 43rd pctl | 147 / 258 | | |
| Loans / Assets | 72.46% | 63.01% | 72.27% | 78.40% | 51st pctl | 127 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |