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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Omaha, NE · FDIC certificate #19742
FIRST WESTROADS BANK INC is an FDIC-insured institution based in Omaha, NE (FDIC certificate #19742). In its Q3 2026 Call Report it reported total assets of $405M, total deposits of $347M and net loans of $290M. Its primary federal regulator is FED.
Plain-language readout
FIRST WESTROADS BANK INC has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $405M in Q3 2026 and were lowest at $384M in Q1 2026.
Total deposits were highest at $347M in Q3 2026 and lowest at $327M in Q1 2026.
Over the whole period total assets rose 5.4%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $405M | $347M | $290M | 1.41% | 12.69% | 4.10% |
| Q2 2026 | $395M | $344M | $276M | 1.42% | 12.82% | 4.07% |
| Q1 2026 | $384M | $327M | $256M | 1.41% | 12.76% | 4.00% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.9M | $11.9M | -$2.0M | -16.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $101.1M | $108.8M | -$7.8M | -7.1% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $276.0M | $255.8M | +$20.2M | +7.9% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $2.8M | $2.7M | +$98K | +3.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.2M | $4.8M | +$331K | +6.9% |
| Total assets | $394.9M | $384.0M | +$10.9M | +2.8% |
| Liabilities | ||||
| Total deposits | $344.0M | $326.6M | +$17.5M | +5.3% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $13.0M | -$8.0M | -61.5% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.3M | $1.2M | +$110K | +9.0% |
| Total liabilities | $350.4M | $340.8M | +$9.6M | +2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $900K | $900K | $0K | 0.0% |
| Surplus | $17.7M | $17.6M | +$109K | +0.6% |
| Retained earnings | $26.7M | $25.3M | +$1.4M | +5.6% |
| Accumulated other comprehensive income | -$713K | -$530K | -$183K | -34.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $44.5M | $43.2M | +$1.3M | +3.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $272K | $360K | -$88K | -24.4% |
| Adjusted nonperforming assets | $18K | $360K | -$342K | -95.0% |
| Tangible equity plus allowance | $49.9M | $48.5M | +$1.5M | +3.0% |
| Texas ratio (gross) | 0.54% | 0.74% | -0.20 pts | See points |
| Texas ratio (adjusted) | 0.04% | 0.74% | -0.71 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.04% | 0.74% | -0.71 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 11.36% | 11.50% | -0.15 pts | See points |
| Construction and land loans to total capital | 133.57% | 122.20% | +11.37 pts | See points |
| Commercial real estate to total capital | 353.17% | 325.57% | +27.60 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -1.99% | -1.54% | -0.45 pts | See points |
| Liquidity | ||||
| Core deposits | $330.0M | $310.5M | +$19.5M | +6.3% |
| Non-core funding | $19.0M | $29.1M | -$10.1M | -34.6% |
| Loans to core deposits | 85.27% | 84.09% | +1.18 pts | See points |
| Loans to deposits | 81.79% | 79.94% | +1.86 pts | See points |
| Brokered deposits share of deposits | 0.00% | 0.00% | 0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 26.71% | 23.76% | +2.95 pts | See points |
| Volatile liabilities | $19.0M | $29.1M | -$10.1M | -34.6% |
| Earnings | ||||
| Earnings before provision, year to date | $3.7M | $1.7M | +$1.9M | +111.5% |
| Earnings before provision, single quarter | $1.9M | $1.7M | +$200K | +11.5% |
| Provision for credit losses, year to date | $150K | $0K | +$150K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.16% | 6.05% | +0.11 pts | See points |
| Yield on interest-bearing balances due from banks | 3.19% | 2.96% | +0.23 pts | See points |
| Total interest income to average assets | 5.56% | 5.47% | +0.08 pts | See points |
| Cost of interest-bearing transaction accounts | 0.44% | 0.47% | -0.03 pts | See points |
| Cost of savings and money market deposits | 2.42% | 2.41% | +0.01 pts | See points |
| Cost of time deposits | 3.78% | 3.71% | +0.07 pts | See points |
| Total interest expense to average assets | 1.60% | 1.51% | +0.10 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $405M | $347M | $290M | 1.41% | 12.69% | 4.10% |
| 2026-06-30 | $395M | $344M | $276M | 1.42% | 12.82% | 4.07% |
| 2026-03-31 | $384M | $327M | $256M | 1.41% | 12.76% | 4.00% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $335.2M | 0.36% | 55 | Continuing · +0.05 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.