TellerScore

First Westroads Bank, Inc. (FDIC certificate #19742) is based in Omaha, Nebraska. Its Q2 2026 call report shows $394.9M in total assets and $344.0M in deposits and 2 offices.

First Westroads Bank, Inc. has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 56th. Problem-loan coverage contributes the most (99/100, 0.5%); funding & liquidity contributes the least (54/100, 80% loans-to-deposits, 39% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Tier 1 leverage ratio: 11.36%
Loan quality97/100
Noncurrent loans ÷ total loans: 0.10%
Earnings77/100
Return on assets (annualized): 1.42%
Funding & liquidity54/100
Loans ÷ deposits and uninsured-deposit share: 80.2% · 38.8% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.54%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 6 points (71 → 77), mostly because the loan quality component improved by 20 points.

TellerScore
717783Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202482
Q4 202476
Q1 202577
Q2 202571
Q3 202577
Q4 202575
Q1 202676
Q2 202677
Tier 1 leverage ratio
5.00%8.95%12.90%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.90%
Q3 202412.66%
Q4 202410.94%
Q1 202511.16%
Q2 202511.11%
Q3 202511.14%
Q4 202510.57%
Q1 202611.50%
Q2 202611.36%
Noncurrent loans
0.00%0.35%0.69%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.69%
Q3 20250.00%
Q4 20250.00%
Q1 20260.14%
Q2 20260.10%
Return on assets
1.37%1.41%1.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.44%
Q3 20241.45%
Q4 20241.37%
Q1 20251.39%
Q2 20251.43%
Q3 20251.45%
Q4 20251.46%
Q1 20261.41%
Q2 20261.42%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$394.9M11.36%0.10%1.42%80.2%
Q1 202676$384.0M11.50%0.14%1.41%78.3%
Q4 202575$391.2M10.57%0.00%1.46%77.8%
Q3 202577$389.2M11.14%0.00%1.45%73.0%
Q2 202571$384.6M11.11%0.69%1.43%71.8%
Q1 202577$369.3M11.16%0.00%1.39%73.0%
Q4 202476$354.4M10.94%0.00%1.37%75.7%
Q3 202482$356.1M12.66%0.00%1.45%74.1%
Q2 202483$335.6M12.90%0.00%1.44%75.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.36%
56th
Total risk-based capital0.00%
24th
Problem loans0.10%
74th
Net charge-offs0.01%
43rd
Return on assets1.42%
61st
Net interest margin4.07%
57th
Efficiency ratio55.2%
71st
Loans to deposits80.2%
49th
Uninsured deposits38.8%
12th
Loan-loss reserves1.92%
92nd
Texas ratio0.5%
76th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Great Plains State BankBank Petersburg, NE45 out of 100, Below average$392.0M10.8%4.14%vs
Waypoint BankBank Cozad, NE75 out of 100, Strong$391.5M10.9%0.59%vs
Lincoln FSB of NebraskaBank Lincoln, NE69 out of 100, Moderate$387.3M11.7%0.46%vs
Sandhills State BankBank North Platte, NE69 out of 100, Moderate$382.8M8.4%0.16%vs
Banner Capital BankBank Harrisburg, NE69 out of 100, Moderate$379.8M11.0%1.31%vs
First Nebraska BankBank Valley, NE75 out of 100, Strong$371.4M10.3%0.23%vs

Deposit insurance

Is my money safe at First Westroads Bank, Inc.?

Yes. First Westroads Bank, Inc. is an FDIC-insured institution (FDIC certificate #19742). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 38.8% of deposits ($133.4M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.36%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

First Westroads Bank, Inc. lists 2 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Westroads Bank, Inc. reported 28 home-loan applications under HMDA (LEI 549300ZTZPT51D3DK456): 25 originated ($47,315,000 total), 0 denied, and 3 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Westroads Bank, Inc.
Type
State-chartered bank (Fed member)
FDIC certificate #
19742
RSSD ID
222754
Primary regulator
FED
Holding company
Ameriwest Corp
Established
August 15, 1967
Headquarters
15750 W Dodge Rd, Omaha, NE 68118
Employees
46

Quick answers

First Westroads Bank, Inc.: common questions

Is First Westroads Bank, Inc. FDIC insured?

Yes. First Westroads Bank, Inc. is an FDIC-insured institution (FDIC certificate #19742). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Westroads Bank, Inc.'s TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Westroads Bank, Inc. ever failed?

There is no failure record for FDIC certificate #19742 in the FDIC failed bank list.

How many branches does First Westroads Bank, Inc. have?

2 offices as of the latest FDIC data.

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