Western Nebraska Bank
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Data as of · sourced from FFIEC call reports. How we update
Western Nebraska Bank is an FDIC-insured commercial bank headquartered in Curtis, NE, established in 1910 (FDIC certificate 1983), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $193.3M, up 5.5% from Q2 2025, the 81st largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.07% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 1983
- Headquarters
- Curtis, NE
- Established
- 1910
- Total assets, Q2 2026
- $193.3M
- Assets vs Q2 2025
- +5.5%
- Tier 1 leverage ratio, Q2 2026
- 10.07%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104103829
- Latest call report
- Q2 2026, FFIEC 051 · Western Nebraska Bank call report
- Holding company
- WESTERN BANCSHARES, INC.
- Asset rank in state
- 81st of 138 in Nebraska
Western Nebraska Bank, based in Curtis, Nebraska, reported $193 million in assets at June 30, 2026, up 5.5% from a year earlier. It carries problem assets equal to 0.1% 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. It also returns 18.1% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.5%).
Net income for the quarter rose 20% from a year earlier, to $717,000. Over the same year, loans grew 11.6% and deposits grew 7.6%.
As of June 30, 2026, Western Nebraska Bank reported a return on assets of 1.53%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 0.06%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Western Nebraska Bank is the 81st largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets rose 5.5% to $193.3M, loans rose 7.4% and deposits fell 0.1%. Farmland and other real estate loans made up 22.6% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 20.5%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in NE; its North Platte office books 33% of its branch deposits. By the capital ratios in its Q2 2026 call report, Western Nebraska Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 Center Ave, Curtis, NE 69025
- County
- Frontier
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 20, 1910
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 33
- Domestic deposits
- $163.7M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $186.9M
- Average total loans
- $154.9M
- Average interest-bearing deposits
- $148.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1983
- Fed RSSD
- 248352
- Website
- www.westernnebraskabank.com →
- Parent Holding Company
- WESTERN BANCSHARES, INC. (RSSD 4169950)
- Ultimate Parent
- WNB HOLDINGS, LLC (RSSD 5559222)
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 Nebraska Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Western Nebraska Bank's total assets ranged from $167.3M (Q1 2024) to $193.8M (Q3 2025), 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
$193.3M total assets against $183.2M; $177.1M total liabilities against $170.0M.
$153.3M net loans and leases against $137.3M; $163.7M total deposits against $152.2M.
$25.2M securities against $30.3M; $2.8M cash and balances due against $3.2M.
$2.9M total interest income against $2.7M; $895K total interest expense against $968K.
$2.0M net interest income against $1.7M.
$334K total noninterest income against $285K; $1.5M total noninterest expense against $1.2M.
$45K provision for credit losses against $36K.
$717K net income against $598K.
1.53% return on assets against 1.36%; 4.45% net interest margin against 4.13%.
10.07% tier 1 leverage ratio against 9.71%.
Inside the full Western Nebraska Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWestern Nebraska Bank rankings
Its closest position to the top of a national ranking is 1,239 of 3,611, for ROA; its furthest is 3,271 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.45% (Q3 2024) to 1.53% (Q2 2026) and its net interest margin ran from 3.59% (Q3 2024) to 4.45% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.07% | 1.53% | 0.01% | 0.06% | 4.45% |
| Q1 2026 | 9.68% | 1.06% | 0.11% | 0.95% | 4.13% |
| Q4 2025 | 9.09% | 1.23% | 0.01% | 0.08% | 4.12% |
| Q3 2025 | 9.49% | 1.18% | 0.01% | 0.09% | 4.11% |
| Q2 2025 | 9.71% | 1.36% | 0.02% | 0.16% | 4.13% |
| Q1 2025 | 9.70% | 1.05% | 0.28% | 2.65% | 3.76% |
| Q4 2024 | 9.20% | 0.74% | 0.28% | 2.72% | 3.77% |
| Q3 2024 | 9.61% | 0.45% | 0.53% | 4.79% | 3.59% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Western Nebraska Bank Branch | North Platte , NE | 69101 | $54.1M |
| Western Nebraska Bank (main office) | Curtis , NE | 69025 | $44.6M |
| Thedford Branch | Thedford , NE | 69166 | $40.4M |
| Bank of Paxton Branch | Paxton , NE | 69155 | $24.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in NE, rank 87 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $100K approved, $50K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Nebraska Bank
What are Western Nebraska Bank's total assets?
As of the Q2 2026 filing, Western Nebraska Bank reported total assets of $193.3 million in its FFIEC call report.
Where is Western Nebraska Bank headquartered?
It is headquartered in Curtis, NE, United States.
When was Western Nebraska Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Western Nebraska Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1983). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Western Nebraska Bank?
Western Nebraska Bank's primary federal regulator is the FDIC.
How many branches does Western Nebraska Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Western Nebraska Bank's Texas Ratio?
Its Texas Ratio is 0.06% 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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