Total Assets
$193M
Total balance-sheet footings
FDIC Cert #1983 · Curtis, Nebraska · Est. 1910
Western Nebraska Bank - FDIC Bank Health Profile
A community-scale look at Western Nebraska Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $193M
- Total assets
- B
- Health grade · Good
- 1.19%
- Return on assets
- 9.1%
- Tier 1 capital
Data updated July 2026
The verdict
Western Nebraska Bank earns a PlainBankData health grade of B (66/100), with 9.09% Tier 1 capital, profitable at 1.19% ROA, 65% efficiency ratio.
- #3,056
- largest of 4,313 FDIC banks by assets
- 29th
- percentile by asset size, nationally
- 9.09%
- Tier 1 ratio - below the 10% well-capitalized line
- 56th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Western Nebraska 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.
Western Nebraska Bank's composite health score
Tier 1 Capital Ratio (9.09%) 18/40
Return on Assets (ROA) (1.19%) 20/25
Texas Ratio (0.08%) 20/20
Efficiency Ratio (65.23%) 8/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$159M
Customer-funded liabilities
Net Loans
$151M
Outstanding loan book
Net Income
$2M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Western Nebraska Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Western Nebraska Bank's score of 66/100 falls in the highlighted band.
Western Nebraska 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). Western Nebraska Bank's $193M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.09% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.09%
Texas Ratio
0.08%
Equity Capital
$15M
Profitability metrics
Return on Assets (ROA)
56th percentile nationally
1.19%
Return on Equity (ROE)
15.99%
Efficiency Ratio
65.23%
What the numbers say about Western Nebraska Bank
Western Nebraska Bank is an FDIC-insured institution (Certificate #1983) headquartered in Curtis, Nebraska, established in 1910. It holds $193M in total assets - 3,056th of 4,313 FDIC-insured banks, $159M in customer deposits, and $151M in net loans. On safety, its Tier 1 capital ratio of 9.09% is below the 10% well-capitalized threshold, and its Texas Ratio of 0.08% 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, Western Nebraska Bank ranks 83rd of 142 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$11M
Interest Income
$1M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Western Nebraska Bank reports a Texas Ratio of 0.08% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.08% - 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) Western Nebraska Bank (FDIC Cert #1983) - 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 Western Nebraska Bank's health grade?▼
Western Nebraska 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 Western Nebraska Bank?▼
Western Nebraska Bank holds $193M in total assets and $159M in deposits, ranking 3,056th of 4,313 FDIC-insured banks by asset size. It is headquartered in Curtis, Nebraska.
Is my money safe at Western Nebraska Bank?▼
Yes, deposits at Western Nebraska Bank (Certificate #1983) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Western Nebraska Bank's Tier 1 Capital Ratio?▼
Western Nebraska Bank has a Tier 1 Capital Ratio of 9.09%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Western Nebraska Bank?▼
Western Nebraska Bank has a Texas Ratio of 0.08%. 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 Western Nebraska Bank?▼
Western Nebraska Bank has an Efficiency Ratio of 65.23%. 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 Western Nebraska Bank's profile as a depositor or analyst.
- Western Nebraska Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Western Nebraska 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.