First Westroads Bank, Inc.
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Data as of · sourced from FFIEC call reports. How we update
First Westroads Bank, Inc. is an FDIC-insured commercial bank headquartered in Omaha, NE, established in 1967 (FDIC certificate 19742), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $394.9M, up 2.7% from Q2 2025, the 48th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.36% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 19742
- Headquarters
- Omaha, NE
- Established
- 1967
- Total assets, Q2 2026
- $394.9M
- Assets vs Q2 2025
- +2.7%
- Tier 1 leverage ratio, Q2 2026
- 11.36%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 104001497
- Latest call report
- Q2 2026, FFIEC 051 · First Westroads Bank, Inc. call report
- Holding company
- AMERIWEST CORPORATION
- Asset rank in state
- 48th of 138 in Nebraska
First Westroads Bank, Inc. leans heavily on commercial real estate. Based in Omaha, Nebraska, it had $395 million in assets at June 30, 2026, up 2.7% from a year earlier. It holds commercial real estate loans worth 3.5 times its capital, about triple the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 0.0% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 14.6% and deposits rose 2.7%. Its $40 million commercial and industrial book is improving, with 1.53% past due or on nonaccrual, down from 9.52% a year earlier.
As of June 30, 2026, First Westroads Bank, Inc. reported a return on assets of 1.42%, a nonperforming-loan ratio of 0.10% and a Texas ratio of 0.04%. The figures come from its call report filed with the FFIEC.
First Westroads Bank, Inc. ranks as the 48th largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.8% to $394.9M, loans rose 7.8% and deposits rose 5.3%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 24.7% of total loans, followed by construction and land development loans at 24.0%. The FDIC Summary of Deposits lists 2 offices for it, in Omaha, NE. On its Q2 2026 call report, First Westroads Bank, Inc. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 15750 W Dodge Rd, Omaha, NE 68118
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 15, 1967
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $344.0M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $19K
- Average total assets
- $398.3M
- Average total loans
- $273.1M
- Average interest-bearing deposits
- $218.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 15, 1967
- FDIC Cert
- 19742
- Fed RSSD
- 222754
- Website
- www.FIRSTWESTROADS.BANK →
- Parent Holding Company
- AMERIWEST CORPORATION (RSSD 1840687)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Westroads Bank, Inc. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Westroads Bank, Inc.'s total assets ran between $325.5M (Q4 2023) and $394.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$394.9M total assets against $384.6M; $350.4M total liabilities against $342.9M.
$276.0M net loans and leases against $240.8M; $344.0M total deposits against $335.2M.
$101.1M securities against $109.8M; $9.9M cash and balances due against $26.5M.
$5.5M total interest income against $5.1M; $1.6M total interest expense against $1.5M.
$3.9M net interest income against $3.6M.
$285K total noninterest income against $229K; $2.3M total noninterest expense against $2.1M.
$150K provision for credit losses against $15K.
$1.4M net income against $1.4M.
1.42% return on assets against 1.46%; 4.01% net interest margin against 3.87%.
11.36% tier 1 leverage ratio against 11.11%.
Inside the full First Westroads Bank, Inc. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Westroads Bank, Inc. rankings
Its closest position to the top of a national ranking is 1,107 of 3,606, for efficiency ratio; its furthest is 3,302 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.09% (Q4 2024) to 1.48% (Q3 2024) and its net interest margin ran from 3.44% (Q4 2024) to 4.11% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.36% | 1.42% | 0.10% | 0.04% | 4.01% |
| Q1 2026 | 11.50% | 1.43% | 0.14% | 0.74% | 4.04% |
| Q4 2025 | 10.57% | 1.43% | 0.00% | 0.00% | 4.11% |
| Q3 2025 | 11.14% | 1.48% | 0.00% | 0.00% | 3.92% |
| Q2 2025 | 11.11% | 1.46% | 0.69% | 3.65% | 3.87% |
| Q1 2025 | 11.16% | 1.38% | 0.00% | 0.00% | 3.73% |
| Q4 2024 | 10.94% | 1.09% | 0.00% | 0.00% | 3.44% |
| Q3 2024 | 12.66% | 1.48% | 0.00% | 0.00% | 3.92% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Westroads Bank, Inc. (main office) | Omaha , NE | 68118 | $275.7M |
| Westroads Branch | Omaha , NE | 68114 | $68.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in NE, rank 56 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $245K approved, $245K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Westroads Bank, Inc.
What are First Westroads Bank, Inc.'s total assets?
As of the Q2 2026 filing, First Westroads Bank, Inc. reported total assets of $394.9 million in its FFIEC call report.
Where is First Westroads Bank, Inc. headquartered?
It is headquartered in Omaha, NE, United States.
When was First Westroads Bank, Inc. founded?
It was established in 1967, per the FDIC institution directory.
Is First Westroads Bank, Inc. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19742). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Westroads Bank, Inc.?
First Westroads Bank, Inc.'s primary federal regulator is the Federal Reserve.
How many branches does First Westroads Bank, Inc. operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Westroads Bank, Inc.'s Texas Ratio?
Its Texas Ratio is 0.04% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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