TellerScore

Western National Bank (FDIC certificate #4778) is based in Chester, Nebraska. Its Q2 2026 call report shows $257.4M in total assets and $232.0M in deposits and 12 offices across 2 states.

Based on its Q2 2026 filing, Western National Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 72nd. Its strongest component is problem-loan coverage (100/100; 0.2%), and its lowest is capital cushion (41/100; 9.15%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.15%
Loan quality99/100
Noncurrent loans ÷ total loans: 0.02%
Earnings80/100
Return on assets (annualized): 1.51%
Funding & liquidity73/100
Loans ÷ deposits and uninsured-deposit share: 87.1% · 11.7% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.16%

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 3 points (71 → 74), mostly because the earnings component improved by 14 points.

TellerScore
677175Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202469
Q4 202467
Q1 202571
Q2 202571
Q3 202572
Q4 202572
Q1 202675
Q2 202674
Tier 1 leverage ratio
5.00%7.15%9.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.97%
Q3 20249.01%
Q4 20248.83%
Q1 20259.11%
Q2 20259.05%
Q3 20259.25%
Q4 20259.31%
Q1 20269.24%
Q2 20269.15%
Noncurrent loans
0.00%0.02%0.03%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.00%
Q4 20240.03%
Q1 20250.03%
Q2 20250.03%
Q3 20250.03%
Q4 20250.03%
Q1 20260.02%
Q2 20260.02%
Return on assets
0.81%1.16%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.81%
Q3 20240.90%
Q4 20240.85%
Q1 20251.14%
Q2 20251.16%
Q3 20251.22%
Q4 20251.23%
Q1 20261.51%
Q2 20261.51%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$257.4M9.15%0.02%1.51%87.1%
Q1 202675$261.8M9.24%0.02%1.51%83.7%
Q4 202572$244.6M9.31%0.03%1.23%89.9%
Q3 202572$244.2M9.25%0.03%1.22%88.5%
Q2 202571$245.3M9.05%0.03%1.16%85.9%
Q1 202571$245.9M9.11%0.03%1.14%87.0%
Q4 202467$249.8M8.83%0.03%0.85%94.4%
Q3 202469$240.4M9.01%0.00%0.90%89.5%
Q2 202468$240.9M8.97%0.02%0.81%85.1%

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 ratio9.15%
14th
Total risk-based capital0.00%
24th
Problem loans0.02%
83rd
Net charge-offs0.00%
68th
Return on assets1.51%
66th
Net interest margin4.17%
63rd
Efficiency ratio61.3%
53rd
Loans to deposits87.1%
32nd
Uninsured deposits11.7%
90th
Loan-loss reserves1.14%
44th
Texas ratio0.2%
84th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Auburn State BankBank Auburn, NE91 out of 100, Very strong$251.3M15.1%0.00%vs
Commercial State BankBank Wausa, NE76 out of 100, Strong$264.4M9.6%0.12%vs
State Nebraska Bank & TrustBank Wayne, NE61 out of 100, Moderate$244.0M10.9%1.61%vs
Citizens Bank & Trust CompanyBank Saint Paul, NE54 out of 100, Below average$242.3M11.4%2.42%vs
Nebraska Bank of CommerceBank Lincoln, NE66 out of 100, Moderate$241.2M9.6%0.33%vs
Adams County BankBank Kenesaw, NE83 out of 100, Strong$241.1M11.8%0.00%vs

Deposit insurance

Is my money safe at Western National Bank?

Yes. Western National Bank is an FDIC-insured institution (FDIC certificate #4778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.7% of deposits ($27.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.15%, 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

12 locations

Branches

Western National Bank lists 11 offices in 11 cities across 2 states. Most locations:

  • Byron, NE (1)
  • Cairo, NE (1)
  • Chester, NE (1)
  • Cook, NE (1)
  • Lincoln, NE (1)
  • Louisville, NE (1)
  • Peru, NE (1)
  • Summerfield, KS (1)
  • Syracuse, NE (1)
  • Tecumseh, NE (1)
  • Wymore, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Western National Bank reported 40 home-loan applications under HMDA (LEI 2549004I0SIDLOOARI46): 38 originated ($6,590,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.5%, 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
Western National Bank
Former names
The First National Bank of Summerfield
Type
National bank
FDIC certificate #
4778
RSSD ID
199351
Primary regulator
OCC
Holding company
Summerfield Finl Services Llc
Established
April 7, 1917
Headquarters
523 Thayer Ave, Chester, NE 68327
Employees
42

Quick answers

Western National Bank: common questions

Is Western National Bank FDIC insured?

Yes. Western National Bank is an FDIC-insured institution (FDIC certificate #4778). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Western National Bank's TellerScore?

74 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 Western National Bank ever failed?

There is no failure record for FDIC certificate #4778 in the FDIC failed bank list.

How many branches does Western National Bank have?

12 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Chester

InstitutionScoreAssetsCapitalProblem loansCompare
Swedish-American State BankBank Courtland, KS83 out of 100, Strong$55.5M13.8%0.93%vs
Thayer County BankBank Hebron, NE81 out of 100, Strong$88.5M13.0%0.32%vs
New Century BankBank Belleville, KS79 out of 100, Strong$88.9M13.2%0.87%vs
United Bank & TrustBank Marysville, KS79 out of 100, Strong$892.9M11.5%0.00%vs
Citizens State BankBank Carleton, NE78 out of 100, Strong$35.6M11.4%0.00%vs
Bruning BankBank Bruning, NE74 out of 100, Strong$659.9M10.0%0.00%vs