Advertisement
Western National Bank
Chester, NE · FDIC Certificate #4778 · Chartered 04/0
Total assets
$257.36M
Total deposits
$231.99M
Total equity
$24.32M
Net loans
$202.06M
Branches (offices)
11
Net income (YTD)
$1.92M
Rank: #2,673 of 4,213 U.S. banks by assets · #67 of 138 in Nebraska. Assets changed 4.9% and deposits 4.7% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 15.94% |
| Net interest margin (YTD) | 4.17% |
| Equity to assets | 9.45% |
| Tier 1 leverage ratio | 9.15% |
| Uninsured deposits (share of deposits) | 11.7% |
| Noncurrent loans (share of loans) | 0.02% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 87.1% |
| Real estate loans (share of loans) | 67.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $136.22M | 67.4% | |
| Commercial & industrial | $20.89M | 10.3% | |
| Consumer / individual | $3.96M | 2.0% | |
| Construction & development | $8.93M | 4.4% | |
| Agricultural | $43.33M | 21.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $251.44M | $227.92M | $1.31M | $20.41M |
| Jun 2023 | $235.75M | $207.59M | $1.13M | $19.99M |
| Jun 2024 | $240.86M | $218.16M | $985.00K | $21.28M |
| Jun 2025 | $245.27M | $221.59M | $1.44M | $22.21M |
| Jun 2026 | $257.36M | $231.99M | $1.92M | $24.32M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $208.17M | 10 |
| Kansas | $23.82M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $231.99M.
Similar-sized banks
Union State Bank Of Hazen ($257.42M) · Lee Bank And Trust Company ($257.34M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement