Total Assets
$1.4B
Total balance-sheet footings
FDIC Cert #19850 · Lincoln, Nebraska · Est. 1968
West Gate Bank - FDIC Bank Health Profile
A community-scale look at West Gate Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.4B
- Total assets
- B
- Health grade · Good
- 0.94%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
West Gate Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 11.51% Tier 1, 0.94% ROA, 76% efficiency ratio.
- #793
- largest of 4,313 FDIC banks by assets
- 82nd
- percentile by asset size, nationally
- 11.51%
- Tier 1 ratio - above the 10% well-capitalized line
- 38th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How West Gate Bank's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
West Gate Bank's composite health score
Tier 1 Capital Ratio (11.51%) 28/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (1.90%) 20/20
Efficiency Ratio (76.19%) 4/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$981M
Outstanding loan book
Net Income
$13M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where West Gate Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. West Gate Bank's score of 66/100 falls in the highlighted band.
West Gate Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). West Gate Bank's $1.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
11.51% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.51%
Texas Ratio
1.90%
Equity Capital
$147M
Profitability metrics
Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
9.05%
Efficiency Ratio
76.19%
What the numbers say about West Gate Bank
West Gate Bank is an FDIC-insured institution (Certificate #19850) headquartered in Lincoln, Nebraska, established in 1968. It holds $1.4B in total assets - 793rd of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $981M in net loans. On safety, its Tier 1 capital ratio of 11.51% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.90% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Nebraska, West Gate Bank ranks 11th of 142 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$71M
Interest Income
$22M
Non-Interest Income
$47M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. West Gate Bank reports a Texas Ratio of 1.90% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.90% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Nebraska by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) West Gate Bank (FDIC Cert #19850) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Nebraska
All Nebraska banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of OmahaOmaha | $34.6B | A | 1.51% |
| Union Bank and Trust CompanyLincoln | $9.1B | A | 1.60% |
| Pinnacle BankLincoln | $8.9B | A | 1.26% |
| American National BankOmaha | $5.2B | A | 1.32% |
| Cornerstone BankYork | $2.8B | B | 1.11% |
| Security First BankLincoln | $2.2B | B | 0.90% |
| Five Points BankGrand Island | $2.1B | A | 1.47% |
| Security National Bank of OmahaOmaha | $1.7B | A | 1.28% |
Frequently asked questions
What is West Gate Bank's health grade?▼
West Gate Bank receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is West Gate Bank?▼
West Gate Bank holds $1.4B in total assets and $1.2B in deposits, ranking 793rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Lincoln, Nebraska.
Is my money safe at West Gate Bank?▼
Yes, deposits at West Gate Bank (Certificate #19850) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is West Gate Bank's Tier 1 Capital Ratio?▼
West Gate Bank has a Tier 1 Capital Ratio of 11.51%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for West Gate Bank?▼
West Gate Bank has a Texas Ratio of 1.90%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is West Gate Bank?▼
West Gate Bank has an Efficiency Ratio of 76.19%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read West Gate Bank's profile as a depositor or analyst.
- West Gate Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare West Gate Bank against other Nebraska banks before moving funds. Nebraska banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.