Western National Bank (Chester, NE)
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Data as of · sourced from FFIEC call reports. How we update
Western National Bank is an FDIC-insured commercial bank headquartered in Chester, NE, established in 1917 (FDIC certificate 4778), and it is supervised by the OCC. At Q2 2026 it reported total assets of $257.4M, up 4.9% from Q2 2025, the 67th largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.15% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 4778
- Headquarters
- Chester, NE
- Established
- 1917
- Total assets, Q2 2026
- $257.4M
- Assets vs Q2 2025
- +4.9%
- Tier 1 leverage ratio, Q2 2026
- 9.15%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 101112473
- Latest call report
- Q2 2026, FFIEC 051 · Western National Bank call report
- Holding company
- SUMMERFIELD FINANCIAL SERVICES, LLC
- Asset rank in state
- 67th of 138 in Nebraska
Western National Bank, based in Chester, Nebraska, reported $257 million in assets at June 30, 2026, up 4.9% from a year earlier. It carries problem assets equal to 0.2% of the capital and reserves that would absorb them, a small fraction of the median of 2.6% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 9.15% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $965,000, 33% above the same quarter a year earlier. Delinquency has appeared in its $21 million commercial and industrial book: 0.96% of those loans are past due or on nonaccrual, against almost none a year earlier.
As of June 30, 2026, Western National Bank reported a return on assets of 1.49%, a nonperforming-loan ratio of 0.02% and a Texas ratio of 0.18%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Western National Bank is the 67th largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets fell 1.7% to $257.4M, loans rose 2.1% and deposits fell 1.9%. 1-4 family residential loans made up 22.3% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 21.2%. The FDIC Summary of Deposits lists 11 offices for it, in 11 cities across 2 states; its Byron office books 20% of its branch deposits. On its Q2 2026 call report, Western National Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 523 Thayer Ave, Chester, NE 68327
- County
- Thayer
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- 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
- April 7, 1917
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 42
- Domestic deposits
- $232.0M
- Allowance for credit losses
- $2.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $258.8M
- Average total loans
- $203.3M
- Average interest-bearing deposits
- $191.7M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4778
- Fed RSSD
- 199351
- SEC CIK
- 1446870 → filed by SUMMERFIELD FINANCIAL SERVICES, LLC
- Website
- www.mywnb.com →
- Parent Holding Company
- SUMMERFIELD FINANCIAL SERVICES, LLC (RSSD 3822632)
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, Western National Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Western National Bank's total assets moved between a low of $237.5M (Q3 2023) and a high of $261.8M (Q1 2026) from Q3 2023 to 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
$257.4M total assets against $245.3M; $233.0M total liabilities against $223.1M.
$202.1M net loans and leases against $190.3M; $232.0M total deposits against $221.6M.
$22.4M securities against $19.5M; $16.3M cash and balances due against $18.6M.
$3.6M total interest income against $3.4M; $1.1M total interest expense against $1.2M.
$2.5M net interest income against $2.2M.
$107K total noninterest income against $86K; $1.6M total noninterest expense against $1.5M.
$0 provision for credit losses against $0.
$965K net income against $728K.
1.49% return on assets against 1.19%; 4.05% net interest margin against 3.81%.
9.15% tier 1 leverage ratio against 9.05%.
Inside the full Western National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWestern National Bank rankings
Its closest position to the top of a national ranking is 1,334 of 3,611, for ROA; its furthest is 3,164 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.73% (Q4 2024) to 1.49% (Q1 2026) and its net interest margin ran from 3.61% (Q4 2024) to 4.05% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.15% | 1.49% | 0.02% | 0.18% | 4.05% |
| Q1 2026 | 9.24% | 1.49% | 0.02% | 0.19% | 3.95% |
| Q4 2025 | 9.31% | 1.25% | 0.03% | 0.22% | 4.04% |
| Q3 2025 | 9.25% | 1.34% | 0.03% | 0.24% | 3.93% |
| Q2 2025 | 9.05% | 1.19% | 0.03% | 0.30% | 3.81% |
| Q1 2025 | 9.11% | 1.16% | 0.03% | 0.28% | 3.70% |
| Q4 2024 | 8.83% | 0.73% | 0.03% | 0.30% | 3.61% |
| Q3 2024 | 9.01% | 1.06% | 0.00% | 0.00% | 3.62% |
Swipe the table sideways to see every column.
Branch Network
View all 11 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 |
|---|---|---|---|
| Byron Branch | Byron , NE | 68325 | $45.8M |
| Western National Bank (main office) | Chester , NE | 68327 | $32.9M |
| Wymore Branch | Wymore , NE | 68466 | $32.2M |
| Summerfield Branch | Summerfield , KS | 66541 | $23.8M |
| Cairo Branch | Cairo , NE | 68824 | $21.9M |
| Peru Branch | Peru , NE | 68421 | $17.5M |
| Cook Branch | Cook , NE | 68329 | $15.8M |
| Syracuse Branch | Syracuse , NE | 68446 | $15.8M |
| Lincoln Branch | Lincoln , NE | 68516 | $11.2M |
| Tecumseh Branch | Tecumseh , NE | 68450 | $7.9M |
| Louisville Branch | Louisville , NE | 68037 | $7.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2021 | Structure Change | Acquired MainStreet Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 1, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2017 | Structure Change | Acquired Byron State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 1, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2014 | Structure Change | Acquired State Bank of Chester Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 76 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 31 applications, 29 loans originated, $6.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2003 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Western National Bank
What are Western National Bank's total assets?
As of the Q2 2026 filing, Western National Bank reported total assets of $257.4 million in its FFIEC call report.
Where is Western National Bank headquartered?
It is headquartered in Chester, NE, United States.
When was Western National Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Western National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western National Bank?
Western National Bank's primary federal regulator is the OCC.
How many branches does Western National Bank operate?
It operates 12 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western National Bank's Texas Ratio?
Its Texas Ratio is 0.18% 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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