Western National Bank
Chester, Nebraska · FDIC Cert #4778
Western National Bank is an FDIC-insured bank (Certificate #4778) with $241M in total assets and $218M in total deposits as of the Q2 2024 Call Report. Headquartered in Chester, Nebraska, the bank maintains a Tier 1 capital ratio of 11.59% (Well-Capitalized) and a nonperforming loan ratio of 0.02%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Western National Bank (FDIC cert 4778) is a community bank — $241M in total assets, $218M in deposits, serving the Chester, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.59% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.02% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 13.8% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is solid: ROA of 0.84% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Western National Bank carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Western National Bank
- Total Assets
- $241M
- Total Deposits
- $218M
- Tier 1 Capital Ratio
- 11.59%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.02%
- Liquidity Ratio
- 13.79%
- Return on Assets
- 0.84%
- Headquarters
- Chester, Nebraska
- FDIC Certificate
- #4778
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Western National Bank holds a Tier 1 capital ratio of 11.59%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Western National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Western National Bank shows strong financial health indicators. With $241M in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Western National Bank Compares
Western National Bank’s Health Score of 70 is 5 points above the Nebraska state average of 65 across 120 FDIC-insured banks. Its 11.59% Tier 1 capital ratio is 2.4 points below the US banking industry average near 14%. The 0.02% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.84% is below the national ROA benchmark of ~1.1%. Among 1566 similarly-sized banks, the average Health Score is 69, meaning this bank ranks above its size cohort.
Frequently Asked Questions
Western National Bank has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 11.59%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Western National Bank's Tier 1 capital ratio of 11.59% and nonperforming loan ratio of 0.02% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Western National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #4778). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Western National Bank holds $241M in total assets and $218M in total deposits. It is headquartered in Chester, Nebraska (FDIC Certificate #4778).
Western National Bank has a Tier 1 capital ratio of 11.59%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.02%, and the return on assets is 0.84%.
Yes. Western National Bank is FDIC-insured (Certificate #4778). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Western National Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.