| Metric | Western Nebraska Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.5% | +4.4% | +1.1 pts |
| Deposit growth (YoY) | +7.6% | +4.0% | +3.7 pts |
| Loan growth (YoY) | +11.6% | +5.6% | +6.0 pts |
| ROA | 1.28% | 1.24% | +0.0 pts |
| ROE | 15.6% | 11.9% | +3.7 pts |
ROA ranks in the 53rd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $193.3M | $163.7M | $153.3M | $16.2M | $1.2M | 1.28% | 4.45% | 0.01% |
| Q1 2026 | $183.2M | $164.0M | $142.7M | $15.5M | $495K | 1.05% | 4.27% | 0.09% |
| Q4 2025 | $193.4M | $159.5M | $151.0M | $14.9M | $2.2M | 1.19% | 4.16% | 0.01% |
| Q3 2025 | $193.8M | $158.3M | $148.2M | $14.7M | $1.6M | 1.17% | 4.09% | 0.01% |
| Q2 2025 | $183.2M | $152.2M | $137.3M | $13.3M | $1.0M | 1.17% | 4.02% | 0.01% |
| Q1 2025 | $174.2M | $151.1M | $127.5M | $13.0M | $449K | 1.02% | 3.81% | 0.21% |
| Q4 2024 | $178.1M | $145.3M | $130.1M | $12.5M | $1.1M | 0.63% | 3.65% | 0.20% |
| Q3 2024 | $176.4M | $147.6M | $129.8M | $13.9M | $764K | 0.59% | 3.59% | 0.40% |
Loan mix (Q2 2026): real estate $92.5M · commercial $25.5M · consumer $3.2M · securities $25.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Western Nebraska Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.28% | 1.24% | 53th | |
Return on equity Annualized net income ÷ equity or net worth | 15.6% | 11.9% | 71th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.45% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.2% | 62.9% | 57th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Western Nebraska Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Western Nebraska Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Western Nebraska Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Western Nebraska Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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