Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Chester, NE · FDIC certificate #4778
WESTERN NATIONAL BANK is an FDIC-insured institution based in Chester, NE (FDIC certificate #4778). In its Q3 2026 Call Report it reported total assets of $258M, total deposits of $229M and net loans of $204M. Its primary federal regulator is OCC.
Plain-language readout
WESTERN NATIONAL BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $262M in Q1 2026 and were lowest at $257M in Q2 2026.
Total deposits were highest at $236M in Q1 2026 and lowest at $229M in Q3 2026.
Over the whole period total assets fell 1.5%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $258M | $229M | $204M | 1.48% | 15.64% | 4.18% |
| Q2 2026 | $257M | $232M | $202M | 1.51% | 15.94% | 4.17% |
| Q1 2026 | $262M | $236M | $198M | 1.51% | 15.95% | 4.11% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $13.0M | $12.0M | +$1.0M | +8.4% |
| Federal funds sold | $3.3M | $15.6M | -$12.3M | -78.7% |
| 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) | $22.4M | $19.5M | +$2.9M | +14.7% |
| 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) | $202.1M | $197.9M | +$4.2M | +2.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.3M | $5.3M | +$22K | +0.4% |
| 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) | $2.9M | $2.9M | -$11K | -0.4% |
| All other assets | $8.4M | $8.6M | -$196K | -2.3% |
| Total assets | $257.4M | $261.8M | -$4.4M | -1.7% |
| Liabilities | ||||
| Total deposits | $232.0M | $236.4M | -$4.4M | -1.9% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $153K | $68K | +$85K | +125.0% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $100K | $100K | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $795K | $821K | -$26K | -3.2% |
| Total liabilities | $233.0M | $237.4M | -$4.4M | -1.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $19.9M | $19.9M | $0K | 0.0% |
| Retained earnings | $6.3M | $6.3M | -$68K | -1.1% |
| Accumulated other comprehensive income | -$2.0M | -$2.0M | +$22K | +1.1% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.3M | $24.4M | -$46K | -0.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $43K | $46K | -$3K | -6.5% |
| Adjusted nonperforming assets | $43K | $46K | -$3K | -6.5% |
| Tangible equity plus allowance | $23.8M | $23.8M | -$35K | -0.1% |
| Texas ratio (gross) | 0.18% | 0.19% | -0.01 pts | See points |
| Texas ratio (adjusted) | 0.18% | 0.19% | -0.01 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.18% | 0.19% | -0.01 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) | 9.15% | 9.24% | -0.09 pts | See points |
| Construction and land loans to total capital | 34.69% | 29.49% | +5.20 pts | See points |
| Commercial real estate to total capital | 155.44% | 140.91% | +14.53 pts | See points |
| Dividend payout, year to date | 65.96% | 24.40% | +41.56 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -8.49% | -8.57% | +0.08 pts | See points |
| Liquidity | ||||
| Core deposits | $211.7M | $216.7M | -$5.0M | -2.3% |
| Non-core funding | $20.6M | $19.9M | +$658K | +3.3% |
| Loans to core deposits | 96.56% | 92.39% | +4.17 pts | See points |
| Loans to deposits | 88.11% | 84.68% | +3.43 pts | See points |
| Brokered deposits share of deposits | 0.21% | 0.21% | +0.00 pts | See points |
| Pledged securities share of securities | 72.13% | 82.94% | -10.81 pts | See points |
| Loans pledged, share of loans | 100.00% | 100.00% | -0.00 pts | See points |
| Volatile liabilities | $20.6M | $19.9M | +$658K | +3.3% |
| Earnings | ||||
| Earnings before provision, year to date | $2.0M | $977K | +$983K | +100.6% |
| Earnings before provision, single quarter | $983K | $977K | +$6K | +0.6% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 6.50% | 6.49% | +0.01 pts | See points |
| Yield on interest-bearing balances due from banks | 4.86% | 5.86% | -1.00 pts | See points |
| Total interest income to average assets | 5.52% | 5.41% | +0.11 pts | See points |
| Cost of interest-bearing transaction accounts | 0.37% | 0.39% | -0.01 pts | See points |
| Cost of savings and money market deposits | 0.80% | 0.80% | -0.00 pts | See points |
| Cost of time deposits | 3.58% | 3.57% | +0.01 pts | See points |
| Total interest expense to average assets | 1.68% | 1.68% | +0.00 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 | $258M | $229M | $204M | 1.48% | 15.64% | 4.18% |
| 2026-06-30 | $257M | $232M | $202M | 1.51% | 15.94% | 4.17% |
| 2026-03-31 | $262M | $236M | $198M | 1.51% | 15.95% | 4.11% |
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 | $198.8M | 0.22% | 78 | Continuing · -0.00 pp |
| KS | $22.8M | 0.02% | 223 | Continuing · +0.00 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.