Lincoln, NE · Cert 19850 · West Gate Banshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
Market Position · Lincoln, NE · 2026 SOD (annual) · 7.3% share · #4 of 33 inst. · $1.2B of $16.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.97% | 0.95% | 0.94% | 0.73% | 0.97% | +1 bps | |
| Return on Equity | 9.39% | 9.21% | 9.05% | 7.12% | 9.39% | 0 bps | |
| Net Interest Margin | 2.95% | 2.90% | 2.92% | 3.14% | 3.09% | +14 bps | |
| Efficiency Ratio | 72.90% | 74.62% | 76.19% | 80.74% | 76.60% | +369 bps | |
| Non-Interest Burden | 1.82% | 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 / Loans | 0.28% | 0.21% | 0.30% | 0.17% | 0.25% | -3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.04% | 1.02% | 0.99% | 0.97% | 0.94% | -10 bps | |
| Allowance Coverage of NPLs | 3.8x | 5.0x | 3.3x | 5.7x | 3.8x | +0.1x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.15% | 11.88% | 11.51% | 11.28% | 10.38% | -177 bps | |
| Total Risk-Based Capital | 12.15% | 11.88% | 11.51% | 11.28% | 10.38% | -177 bps | |
| Equity / Assets | 10.04% | 10.45% | 10.44% | 10.16% | 10.52% | +48 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 87.52% | 85.31% | 84.18% | 86.92% | 83.78% | -374 bps | |
| Liquid Assets / Assets | 0.27% | 0.70% | 0.74% | 1.26% | 0.91% | +64 bps | |
| CRE / Total Capital | n/a | 291% | 294% | 307% | n/a | n/a | |