Western Nebraska Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Western Nebraska Bank of Curtis, 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 | 1.53% | 1.34% | +0.19% | 65th above |
| ROAE | 18.10% | 13.32% | +4.78% | 80th top |
| Net Interest Margin | 4.45% | 3.93% | +0.52% | 77th top |
| Efficiency Ratio | 61.86% | 61.13% | +0.73% | 49th below |
| PPNR / Avg Assets | 1.88% | 1.68% | +0.20% | 66th above |
| Yield on Earning Assets | 6.36% | 5.67% | +0.69% | 83rd top |
| Cost of Funds | 2.15% | 1.88% | +0.27% | 29th below |
| Net Interest Spread | 4.10% | 3.32% | +0.78% | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.01% | 0.94% | -0.93% | 85th top |
| NPA / Total Assets | 0.01% | 0.70% | -0.69% | 86th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.00% | 0.16% | -0.16% | 48th below |
| ACL / Total Loans | 1.05% | 1.28% | -0.23% | 31st below |
| ACL / NPLs (Coverage) | 14736.36% | 1543.42% | +13192.94% | — |
| Texas Ratio | 0.06% | 7.34% | -7.28% | 88th top |
| Provision / NCO | 3000.00% | 1394.41% | +1605.59% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.07% | 12.14% | -2.07% | 33rd below |
| Equity / Assets | 8.38% | 11.37% | -2.99% | 18th bottom |
| TCE / Tangible Assets | 8.10% | 11.08% | -2.98% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.59% | 80.66% | +13.93% | 19th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.41% | 86.85% | +0.56% | 41st below |
| Wholesale Funding Ratio | 6.42% | 5.04% | +1.38% | 29th below |
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. | 5.46% | 6.84% | -1.38% | 58th above |
| Loan Growth (Y/Y) | 11.64% | 7.92% | +3.72% | 78th top |
| Deposit Growth (Y/Y) | 7.61% | 6.29% | +1.32% | 74th above |
See Western Nebraska Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Western Nebraska 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 Nebraska Bank profile, how to read a UBPR, or how this data updates.