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First Westroads Bank, Inc.

$100M-$1B Specialty: Commercial NE FDIC cert 19742

Omaha, NE

2 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +2.7% year over year ($344.0M on the books).
  • Delinquency rate 0.10%.
  • Return on assets 1.42%.
  • Efficiency ratio 55.22% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.22% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

First Westroads Bank, Inc. demonstrates 4 strengths

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.10% above tier average
  • + Net Interest Margin 0.08% above tier average
  • + Efficiency Ratio 9.26% below tier average
  • + Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when First Westroads Bank, Inc. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $394.9M
+2.7% YoY +2.8% QoQ
+$8.3M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
61%
Total Loans ? $276.0M
+14.6% YoY +7.9% QoQ
+$17.6M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
63%
Total Deposits ? $344.0M
+2.7% YoY +5.3% QoQ
+$17.3M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
62%
Return on Assets ? 1.42%
-0.4% YoY +1.2% QoQ
+0.10% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
61%
Net Interest Margin ? 4.07%
+5.2% YoY +1.6% QoQ
+0.08% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
57%
Efficiency Ratio ? 55.22%
-0.3% YoY -2.2% QoQ
-9.26% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
72%
Delinquency Rate ? 0.10%
-86.0% YoY -30.0% QoQ
-0.82% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 80.22%
+11.7% YoY +2.4% QoQ
+2.27% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
49%
Non-Interest-Bearing Deposit Share ? 31.99%
-2.0% YoY -4.5% QoQ
+9.96% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
Top 14.5% in tier
Nonperforming Asset Ratio ? 0.07%
-84.4% YoY -26.5% QoQ
-0.60% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 11.36%
+2.3% YoY -1.3% QoQ
-4.55% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
27%
Non-Interest Income / Assets ? 0.13%
+4.4% YoY +115.7% QoQ
-0.43% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
28%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 32.0%
-0.7pp YoY
-1.5pp QoQ
 +9.8pp 22.1% 17.6% 22.2% 85%
Brokered Deposits n/a n/a 7.9% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 14.6%
+0.6pp YoY
-0.7pp QoQ
 +3.0pp 11.6% 12.3% 12.5% 74%
CRE 75.3%
+1.3pp YoY
+1.5pp QoQ
 +35.8pp 39.5% 32.3% 41.4% 96%
1-4 Family 11.7%
-1.4pp YoY
-0.8pp QoQ
 -20.9pp 32.6% 16.9% 31.3% 14%
Consumer 0.1%
-0.1pp YoY
0.0pp QoQ
 -4.1pp 4.1% 3.1% 5.0% 4%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 11.4%
+0.3pp YoY
-0.1pp QoQ
 -0.8pp 12.2% 12.1% 12.6% 56%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 46
-3 (-6.1%) YoY
0 QoQ
 -13 58 98 482 48%
Assets per Employee ($) $8.6M
+9.4% YoY
+2.8% QoQ
 +$1.1M $7.5M $8.5M $8.8M 75%
Branch Count 2
0 YoY
0 QoQ
 -3 4 7 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.1%
+0.1pp YoY
+0.1pp QoQ
 -0.8pp 0.9% 0.8% 1.0% 18%
Allowance Coverage 19.88x
+601.9% YoY
+35.5% QoQ
 -4.28x 24.15x 31.69x 20.23x 88%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 49%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 12.8%
-0.4pp YoY
+0.1pp QoQ
 +0.6pp 12.2% 12.3% 11.6% 55%
Cost of Funds (YTD) 1.6%
-0.1pp YoY
+0.1pp QoQ
 -0.1pp 1.7% 1.9% 1.7% 43%
Net Income ($, YTD) $2.8M
+5.1% YoY
— QoQ
 +$222K $2.6M $6.1M $40.4M 67%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

383
Non-Interest-Bearing Deposit Share
funding
Value: 31.99%
Peer Median: 22.03%
#383 of 2643 Top 14.5% in $100M-$1B
641
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#641 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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