TellerScore

Western Nebraska Bank (FDIC certificate #1983) is based in Curtis, Nebraska. Its Q2 2026 call report shows $193.3M in total assets and $163.7M in deposits and 4 offices.

Western Nebraska Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 68th. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (51/100, 10.07%).

TellerScore · Q2 2026

Scorecard

Capital cushion51/100
Tier 1 leverage ratio: 10.07%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity67/100
Loans ÷ deposits and uninsured-deposit share: 93.6% · 7.9% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.06%

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 2 points (73 → 75), mostly because the capital cushion component improved by 4 points.

TellerScore
636975Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202463
Q4 202465
Q1 202570
Q2 202573
Q3 202572
Q4 202571
Q1 202671
Q2 202675
Tier 1 leverage ratio
5.00%7.54%10.07%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.66%
Q3 20249.61%
Q4 20249.20%
Q1 20259.70%
Q2 20259.71%
Q3 20259.49%
Q4 20259.09%
Q1 20269.68%
Q2 202610.07%
Noncurrent loans
0.01%0.27%0.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.53%
Q3 20240.53%
Q4 20240.28%
Q1 20250.28%
Q2 20250.02%
Q3 20250.01%
Q4 20250.01%
Q1 20260.11%
Q2 20260.01%
Return on assets
0.59%0.94%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.67%
Q3 20240.59%
Q4 20240.63%
Q1 20251.02%
Q2 20251.17%
Q3 20251.17%
Q4 20251.19%
Q1 20261.05%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$193.3M10.07%0.01%1.28%93.6%
Q1 202671$183.2M9.68%0.11%1.05%87.0%
Q4 202571$193.4M9.09%0.01%1.19%94.7%
Q3 202572$193.8M9.49%0.01%1.17%93.6%
Q2 202573$183.2M9.71%0.02%1.17%90.2%
Q1 202570$174.2M9.70%0.28%1.02%84.4%
Q4 202465$178.1M9.20%0.28%0.63%89.5%
Q3 202463$176.4M9.61%0.53%0.59%87.9%
Q2 202465$169.9M9.66%0.53%0.67%83.1%

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 ratio10.07%
33rd
Total risk-based capital0.00%
24th
Problem loans0.01%
86th
Net charge-offs0.00%
53rd
Return on assets1.28%
52nd
Net interest margin4.45%
77th
Efficiency ratio65.2%
42nd
Loans to deposits93.6%
19th
Uninsured deposits7.9%
97th
Loan-loss reserves1.05%
32nd
Texas ratio0.1%
87th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
South Central State BankBank Campbell, NE96 out of 100, Very strong$192.1M15.2%0.00%vs
First State BankBank Farnam, NE79 out of 100, Strong$199.5M11.9%0.33%vs
York State BankBank York, NE90 out of 100, Very strong$200.2M13.9%0.20%vs
United Republic BankBank Elkhorn, NE36 out of 100, Low$185.8M11.6%4.89%vs
Minden Exchange Bank & Trust CompanyBank Minden, NE82 out of 100, Strong$201.4M19.8%1.23%vs
Foundation One BankBank Waterloo, NE65 out of 100, Moderate$182.2M9.8%0.41%vs

Deposit insurance

Is my money safe at Western Nebraska Bank?

Yes. Western Nebraska Bank is an FDIC-insured institution (FDIC certificate #1983). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 7.9% of deposits ($12.9M) 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 10.07%, 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

4 locations

Branches

Western Nebraska Bank lists 4 offices in 4 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Western Nebraska Bank
Former names
Curtis State Bank
Type
State-chartered bank
FDIC certificate #
1983
RSSD ID
248352
Primary regulator
FDIC
Holding company
Wnb Holdings Llc
Established
December 20, 1910
Headquarters
301 Center Ave, Curtis, NE 69025
Employees
33

Quick answers

Western Nebraska Bank: common questions

Is Western Nebraska Bank FDIC insured?

Yes. Western Nebraska Bank is an FDIC-insured institution (FDIC certificate #1983). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Western Nebraska Bank's TellerScore?

75 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 Nebraska Bank ever failed?

There is no failure record for FDIC certificate #1983 in the FDIC failed bank list.

How many branches does Western Nebraska Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Curtis

InstitutionScoreAssetsCapitalProblem loansCompare
First State BankBank Farnam, NE79 out of 100, Strong$199.5M11.9%0.33%vs
Henderson State BankBank Henderson, NE72 out of 100, Strong$678.5M10.4%0.27%vs
Dayspring BankBank Gothenburg, NE58 out of 100, Moderate$1.2B10.7%1.73%vs
Flatwater BankBank Gothenburg, NE56 out of 100, Moderate$367.7M9.4%1.76%vs
First Central Bank McCookBank Mccook, NE41 out of 100, Below average$122.8M11.3%5.80%vs