West Gate Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks West Gate Bank of Lincoln, NE against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.15% | 1.34% | -0.19% | 38th below |
| ROAE | 11.68% | 12.34% | -0.66% | 44th below |
| Net Interest Margin | 3.54% | 3.83% | -0.29% | 37th below |
| Efficiency Ratio | 71.84% | 58.97% | +12.87% | 16th bottom |
| PPNR / Avg Assets | 1.34% | — | — | 28th below |
| Yield on Earning Assets | 5.89% | 5.71% | +0.18% | 71st above |
| Cost of Funds | 2.47% | 2.02% | +0.45% | 22nd bottom |
| Net Interest Spread | 2.62% | — | — | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.25% | 0.87% | -0.62% | 74th above |
| NPA / Total Assets | 0.18% | — | — | 75th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 69th above |
| ACL / Total Loans | 0.94% | — | — | 23rd bottom |
| ACL / NPLs (Coverage) | 383.93% | — | — | 71st above |
| Texas Ratio | 1.59% | 5.48% | -3.89% | 75th top |
| Provision / NCO | -1075.00% | — | — | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.38% | 11.11% | -0.73% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.52% | 11.02% | -0.50% | 52nd above |
| TCE / Tangible Assets | 10.52% | — | — | 64th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 83.78% | 86.99% | -3.21% | 61st above |
| Core Deposit Ratio | 68.37% | 85.57% | -17.20% | 8th bottom |
| Uninsured Deposit Ratio | 15.62% | 33.19% | -17.57% | 91st top |
| Wholesale Funding Ratio | 1.89% | — | — | 70th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 8.84% | — | — | 69th above |
| Loan Growth (Y/Y) | 11.93% | — | — | 78th top |
| Deposit Growth (Y/Y) | 16.92% | — | — | 87th top |
See West Gate Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock West Gate Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full West Gate Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the West Gate Bank peer analysis.