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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.07% | 0.44% | 0.90% | 1.05% | 0.92% | 0.90% | 0.73% | 1.21% | +16 bps | |
| Return on Equity | -0.70% | 4.17% | 8.66% | 10.14% | 8.93% | 8.62% | 7.12% | 11.68% | +154 bps | |
| Net Interest Margin | 3.20% | 2.79% | 2.85% | 3.08% | 3.06% | 3.11% | 3.14% | 3.28% | +20 bps | |
| Efficiency Ratio | 100.40% | 79.59% | 74.30% | 71.58% | 77.24% | 80.41% | 80.74% | 72.90% | +132 bps | |
| Non-Interest Burden | 3.25% | 2.39% | 1.81% | 1.85% | 1.86% | 2.14% | 2.20% | 1.91% | +6 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 5.19% | 4.10% | -0.03% | 5.11% | 4.51% | 7.81% | 14.33% | 8.84% | +373 bps | |
| Loan Growth (YoY) | 7.69% | 4.99% | 2.22% | 3.48% | 3.08% | 6.86% | 13.45% | 11.93% | +844 bps | |
| Deposit Growth (YoY) | -1.32% | -12.83% | -3.49% | -2.11% | 5.89% | 23.46% | 13.14% | 16.92% | +1,903 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.11% | 0.15% | 0.19% | 0.28% | 0.21% | 0.30% | 0.17% | 0.25% | -3 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.06% | 1.07% | 1.08% | 1.04% | 1.02% | 0.99% | 0.97% | 0.94% | -10 bps | |
| Allowance Coverage of NPLs | 9.4x | 7.2x | 5.7x | 3.8x | 5.0x | 3.3x | 5.7x | 3.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.57% | 11.53% | 11.94% | 12.15% | 11.88% | 11.51% | 11.28% | 10.38% | -177 bps | |
| Total Risk-Based Capital | 11.57% | 11.53% | 11.94% | 12.15% | 11.88% | 11.51% | 11.28% | 10.38% | -177 bps | |
| Equity / Assets | 10.60% | 10.27% | 10.63% | 10.04% | 10.45% | 10.44% | 10.16% | 10.52% | +48 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.64% | 97.25% | 86.68% | 87.52% | 85.31% | 84.18% | 86.92% | 83.78% | -374 bps | |
| Liquid Assets / Assets | 0.44% | 0.43% | 0.33% | 0.27% | 0.70% | 0.74% | 1.26% | 0.91% | +64 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 291% | 294% | 307% | n/a | n/a | |