Western National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western National Bank of Chester, NE against its peer group of 2603 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 | 1.49% | 1.34% | +0.15% | 62nd above |
| ROAE | 15.86% | 13.32% | +2.54% | 70th above |
| Net Interest Margin | 4.05% | 3.93% | +0.12% | 56th above |
| Efficiency Ratio | 61.89% | 61.13% | +0.76% | 48th below |
| PPNR / Avg Assets | 1.52% | 1.68% | -0.16% | 46th below |
| Yield on Earning Assets | 5.82% | 5.67% | +0.15% | 60th above |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.87% | 1.88% | -0.01% | 45th below |
| Net Interest Spread | 3.57% | 3.32% | +0.25% | 63rd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.94% | -0.92% | 82nd top |
| NPA / Total Assets | 0.02% | 0.70% | -0.68% | 83rd top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 49th below |
| ACL / Total Loans | 1.14% | 1.28% | -0.14% | 43rd below |
| ACL / NPLs (Coverage) | 5439.53% | 1545.06% | +3894.47% | — |
| Texas Ratio | 0.18% | 7.34% | -7.16% | 86th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.15% | 12.14% | -2.99% | 15th bottom |
| Equity / Assets | 9.45% | 11.37% | -1.92% | 35th below |
| TCE / Tangible Assets | 8.42% | 11.08% | -2.66% | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.11% | 80.66% | +7.45% | 32nd below |
| Core Deposit Ratio | 91.24% | 86.85% | +4.39% | 62nd above |
| Wholesale Funding Ratio | 0.10% | 5.04% | -4.94% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.93% | 6.84% | -1.91% | 54th above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.14% | 7.92% | -1.78% | 55th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.69% | 6.29% | -1.60% | 55th above |
See Western National Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western National 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 Western National Bank profile, how to read a UBPR, or how this data updates.