Western National Bank
Chester, NE · Cert 4778 · Peer group: banks under $1B in assets in NE (n=83) · Summerfield Finl Services LLC
National charter · OCC · 11 branches
Q2 2026
$257.4MAssets
$204.4MLoans
$232.0MDeposits
$24.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 70% of banks under $1B in assets in NE (rank 25 of 83).
- Widest gap: total risk-based capital ratio 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
1.20%
Rank 42 of 83
Net Interest Margin
3.81%
Rank 31 of 83
Efficiency Ratio
61.33%
Rank 46 of 83
Equity / Assets
9.45%
Rank 69 of 83
Non-interest income vs. expense
Unfavorable gap of $5.8M · efficiency ratio beats 46% of banks under $1B in assets in NE | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.20% | 0.93% | 1.20% | 1.51% | Beats 49% | 42 / 83 | |
| Return on Equity | 12.65% | 8.04% | 10.34% | 13.11% | Beats 70% | 25 / 83 | |
| Net Interest Margin | 3.81% | 3.25% | 3.62% | 4.02% | Beats 63% | 31 / 83 | |
| Efficiency Ratio | 61.33% | 51.13% | 59.95% | 67.19% | Beats 46% | 46 / 83 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.19% | 0.96% | Beats 67% | 28 / 83 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.02% | Beats 57% | 37 / 83 | |
| Capital |
| Tier 1 Capital Ratio | 9.15% | 10.94% | 13.24% | 16.62% | Beats 2% | 81 / 83 | |
| Total Risk-Based Capital Ratio | 9.15% | 11.04% | 13.54% | 17.63% | Beats 2% | 81 / 83 | |
| Equity / Assets | 9.45% | 9.90% | 11.31% | 13.84% | Beats 17% | 69 / 83 | |
| Liquidity & Funding |
| Loans / Deposits | 88.11% | 71.97% | 83.15% | 92.22% | 64th pctl | 30 / 83 | |
| Loans / Assets | 79.42% | 57.96% | 69.15% | 77.64% | 81st pctl | 16 / 83 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |