First Westroads Bank, Inc.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 231.00 percentage points higher than in Q2 2026, at 2218.50%. Within Nebraska, First Westroads Bank, Inc. is 73rd of 138 on return on assets, 1.35% as of Q3 2026, below the middle of the field. First Westroads Bank, Inc. reported 1.35% on return on assets for Q3 2026, 0.10 points above the 1.25% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.45% |
| Equity capital to assets | 11.00% |
| Tangible equity to tangible assets | 11.00% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.09% |
| Non-performing assets ratio | 0.06% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 0.51% |
| Allowance for credit losses to loans | 1.90% |
| Reserve coverage of non-performing loans | 2218.50% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 12.37% |
| Net interest margin | 4.02% |
| Efficiency ratio | 54.09% |
| Yield on earning assets | 5.71% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 85.34% |
| Core deposits to total deposits | 88.43% |
| Brokered deposits to total deposits | 5.22% |
| Deposits to assets | 85.68% |
| Securities to assets | 24.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 19.89% | 19.89% | 21.15% | 13.23% | 1.52% |
| Q1 2024 | 18.93% | 18.93% | 20.19% | 13.16% | 1.35% |
| Q2 2024 | — | — | — | 12.90% | 1.51% |
| Q3 2024 | — | — | — | 12.66% | 1.48% |
| Q4 2024 | — | — | — | 10.94% | 1.09% |
| Q1 2025 | — | — | — | 11.16% | 1.38% |
| Q2 2025 | — | — | — | 11.11% | 1.46% |
| Q3 2025 | — | — | — | 11.14% | 1.48% |
| Q4 2025 | — | — | — | 10.57% | 1.43% |
| Q1 2026 | — | — | — | 11.50% | 1.43% |
| Q2 2026 | — | — | — | 11.36% | 1.42% |
| Q3 2026 | — | — | — | 11.45% | 1.35% |
First Westroads Bank, Inc. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Westroads Bank, Inc., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Westroads Bank, Inc. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19742) · FFIEC NIC profile (RSSD 222754)