Loading bank profile
Data through Q3 2026 · 4,200 institutions
Regulatory profile
Curtis, NE · FDIC certificate #1983
WESTERN NEBRASKA BANK is an FDIC-insured institution based in Curtis, NE (FDIC certificate #1983). In its Q3 2026 Call Report it reported total assets of $200M, total deposits of $162M and net loans of $160M. Its primary federal regulator is FDIC.
Plain-language readout
WESTERN NEBRASKA BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $200M in Q3 2026 and were lowest at $183M in Q1 2026.
Total deposits were highest at $164M in Q1 2026 and lowest at $162M in Q3 2026.
Over the whole period total assets rose 9.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $200M | $162M | $160M | 1.31% | 16.14% | 4.43% |
| Q2 2026 | $193M | $164M | $153M | 1.28% | 15.59% | 4.45% |
| Q1 2026 | $183M | $164M | $143M | 1.05% | 13.01% | 4.27% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $2.8M | $3.3M | -$440K | -13.5% |
| Federal funds sold | $0K | $135K | -$135K | -100.0% |
| 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) | $25.2M | $25.5M | -$271K | -1.1% |
| 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) | $153.3M | $142.7M | +$10.6M | +7.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $6.5M | $6.6M | -$26K | -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) | $591K | $591K | $0K | 0.0% |
| All other assets | $4.8M | $4.5M | +$398K | +8.9% |
| Total assets | $193.3M | $183.2M | +$10.1M | +5.5% |
| Liabilities | ||||
| Total deposits | $163.7M | $164.0M | -$216K | -0.1% |
| Federal funds purchased | $911K | $0K | +$911K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $11.5M | $2.9M | +$8.6M | +296.6% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $919K | $820K | +$99K | +12.1% |
| Total liabilities | $177.1M | $167.7M | +$9.4M | +5.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $250K | $250K | $0K | 0.0% |
| Surplus | $13.8M | $13.8M | $0K | 0.0% |
| Retained earnings | $5.4M | $4.6M | +$718K | +15.5% |
| Accumulated other comprehensive income | -$3.2M | -$3.1M | -$23K | -0.7% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $16.2M | $15.5M | +$695K | +4.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $11K | $156K | -$145K | -92.9% |
| Adjusted nonperforming assets | $11K | $156K | -$145K | -92.9% |
| Tangible equity plus allowance | $17.2M | $16.5M | +$739K | +4.5% |
| Texas ratio (gross) | 0.06% | 0.95% | -0.88 pts | See points |
| Texas ratio (adjusted) | 0.06% | 0.95% | -0.88 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 0.06% | 0.95% | -0.88 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) | 10.07% | 9.68% | +0.39 pts | See points |
| Construction and land loans to total capital | 32.86% | 27.71% | +5.15 pts | See points |
| Commercial real estate to total capital | 80.66% | 68.42% | +12.24 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 | -21.37% | -22.07% | +0.69 pts | See points |
| Liquidity | ||||
| Core deposits | $143.1M | $137.9M | +$5.2M | +3.8% |
| Non-core funding | $33.0M | $29.0M | +$4.1M | +14.1% |
| Loans to core deposits | 108.22% | 104.62% | +3.60 pts | See points |
| Loans to deposits | 94.59% | 87.99% | +6.59 pts | See points |
| Brokered deposits share of deposits | 6.04% | 7.86% | -1.83 pts | See points |
| Pledged securities share of securities | 61.20% | 61.43% | -0.23 pts | See points |
| Loans pledged, share of loans | 23.02% | 26.01% | -2.98 pts | See points |
| Volatile liabilities | $33.3M | $29.2M | +$4.1M | +14.0% |
| Earnings | ||||
| Earnings before provision, year to date | $1.6M | $673K | +$877K | +130.3% |
| Earnings before provision, single quarter | $877K | $673K | +$204K | +30.3% |
| Provision for credit losses, year to date | $90K | $45K | +$45K | +100.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.97% | 7.02% | -0.05 pts | See points |
| Yield on interest-bearing balances due from banks | 0.00% | 0.00% | 0.00 pts | See points |
| Total interest income to average assets | 6.29% | 6.10% | +0.19 pts | See points |
| Cost of interest-bearing transaction accounts | 0.44% | 0.42% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.24% | 2.31% | -0.07 pts | See points |
| Cost of time deposits | 3.79% | 3.80% | -0.01 pts | See points |
| Total interest expense to average assets | 1.92% | 2.15% | -0.23 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 | $200M | $162M | $160M | 1.31% | 16.14% | 4.43% |
| 2026-06-30 | $193M | $164M | $153M | 1.28% | 15.59% | 4.45% |
| 2026-03-31 | $183M | $164M | $143M | 1.05% | 13.01% | 4.27% |
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 | $152.2M | 0.16% | 93 | 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.