Western National Bank: 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.
Reserve coverage of non-performing loans climbed 354.75 percentage points in Q2 2026, from 5084.78% to 5439.53%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Western National Bank is 59th of 138 on return on assets, 1.49% as of Q2 2026, above the middle of the field. Western National Bank reported 1.49% on return on assets for Q2 2026, 0.24 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.15% |
| Equity capital to assets | 9.45% |
| Tangible equity to tangible assets | 8.42% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.02% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.18% |
| Allowance for credit losses to loans | 1.14% |
| Reserve coverage of non-performing loans | 5439.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 15.86% |
| Net interest margin | 4.05% |
| Efficiency ratio | 61.89% |
| Yield on earning assets | 5.82% |
| Cost of funds | 1.87% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.11% |
| Core deposits to total deposits | 91.24% |
| Brokered deposits to total deposits | 0.21% |
| Deposits to assets | 90.14% |
| Securities to assets | 8.70% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 12.38% | 12.38% | 13.60% | 8.84% | 0.85% |
| Q4 2023 | 11.75% | 11.75% | 12.90% | 8.94% | 0.61% |
| Q1 2024 | 11.66% | 11.66% | 12.86% | 8.77% | 0.61% |
| Q2 2024 | 11.59% | 11.59% | 12.79% | 8.97% | 1.02% |
| Q3 2024 | 11.60% | 11.60% | 12.77% | 9.01% | 1.06% |
| Q4 2024 | 10.85% | 10.85% | 12.00% | 8.83% | 0.73% |
| Q1 2025 | 11.55% | 11.55% | 12.74% | 9.11% | 1.16% |
| Q2 2025 | 11.67% | 11.67% | 12.87% | 9.05% | 1.19% |
| Q3 2025 | 11.89% | 11.89% | 13.08% | 9.25% | 1.34% |
| Q4 2025 | 11.86% | 11.86% | 13.08% | 9.31% | 1.25% |
| Q1 2026 | — | — | — | 9.24% | 1.49% |
| Q2 2026 | — | — | — | 9.15% | 1.49% |
Western National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Western National Bank, 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 Western National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4778) · FFIEC NIC profile (RSSD 199351)