WESTERN NATIONAL BANK

CHESTER, NE | Small | Est. April 7, 1917, midnight | FDIC #4778 | RSSD #199351 | OCC
Latest Report: 2025-12-31

WESTERN NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in CHESTER, NE, established in April 7, 1917, midnight. As of 2025-12-31, the bank reported total assets of $245M and total deposits of $220M. Profitability stands at 1.27% ROA and 13.16% ROE, with a net interest margin of 4.17%. The bank's CET1 capital ratio is 11.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.03% and a Texas Ratio of 0.20%. FDIC Certificate #4778.

Assets

$245M

Deposits

$220M

Loans

$200M

Equity

$24M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 13.16%
Net Interest Margin (NIM) 4.17%
Yield on Assets 6.15%
Cost of Funds 2.03%

Asset Quality

NPL Ratio 0.03%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.20%
NPA Ratio 0.02%
ACL / Loans 1.17%

Capital & Liquidity

CET1 Ratio 11.86%
Tier 1 Capital 11.86%
Total Capital Ratio 13.08%
Leverage Ratio 9.31%
Loan-to-Deposit 90.96%

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