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West Gate Bank

$1B-$10B Specialty: Commercial NE FDIC cert 19850

Designations: ✓ Community bank

Lincoln, NE

10 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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in NE.
  • Deposits +16.9% year over year ($1.3B on the books).
  • Delinquency rate 0.25%.
  • Return on assets 0.97%.
  • Efficiency ratio 76.60% vs a 59.73% peer average.
  • Loan-to-deposit ratio 82.99% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 21 in NE
View $1B-$10B leaderboard (NE) →

West Gate Bank has 2 strengths but faces 3 concerns

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

  • + Revenue Diversifier: Top 36.5% in tier
  • + Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.42% below tier average
  • - Net Interest Margin 0.23% below tier average
  • - Efficiency Ratio 16.87% above tier average
Get updates when West Gate Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $1.5B
+8.8% YoY +2.0% QoQ
-$1.3B $2.8B
-0.6% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
33%
Total Loans ? $1.1B
+12.0% YoY +2.3% QoQ
-$905.8M $2.0B
-0.3% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $1.3B
+16.9% YoY +6.1% QoQ
-$1.0B $2.3B
-0.5% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
36%
Return on Assets ? 0.97%
+0.6% YoY +32.8% QoQ
-0.42% 1.39%
+17.0% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
28%
Net Interest Margin ? 3.64%
+9.7% YoY +5.4% QoQ
-0.23% 3.87%
+6.2% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 76.60%
+5.1% YoY -5.1% QoQ
+16.87% 59.73%
-12.6% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
Bottom 10.1% in tier
Delinquency Rate ? 0.25%
-11.5% YoY +43.0% QoQ
-0.62% 0.87%
+11.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
74%
Loan-to-Deposit Ratio ? 82.99%
-4.2% YoY -3.6% QoQ
-2.04% 85.04%
-0.1% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
61%
Non-Interest-Bearing Deposit Share ? 20.69%
-12.8% YoY -0.9% QoQ
-0.58% 21.27%
-1.5% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 0.18%
-10.5% YoY +43.3% QoQ
-0.50% 0.67%
+11.7% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 10.38%
-14.5% YoY -8.0% QoQ
-4.46% 14.84%
-0.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 9.2% in tier
Non-Interest Income / Assets ? 0.84%
+41.3% YoY +106.3% QoQ
+0.32% 0.53%
+2.5% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Top 7.8% in tier

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 20.7%
-3.0pp YoY
-0.2pp QoQ
 -0.7pp 21.4% 17.6% 22.2% 55%
Brokered Deposits 25.2%
+8.8pp YoY
+2.7pp QoQ
 +15.7pp 9.5% 8.9% 8.5% 92%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 7.9%
+0.4pp YoY
+0.3pp QoQ
 -6.1pp 14.0% 12.3% 12.5% 33%
CRE 44.8%
-3.6pp YoY
-2.2pp QoQ
 -5.2pp 50.0% 32.3% 41.4% 36%
1-4 Family 44.3%
+3.7pp YoY
+2.2pp QoQ
 +17.9pp 26.4% 16.9% 31.3% 86%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.7pp 4.7% 3.1% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 16.1% 19.7% n/a
Leverage Ratio 10.4%
-1.8pp YoY
-0.9pp QoQ
 -0.9pp 11.3% 12.1% 12.6% 47%
Total Capital Ratio n/a n/a 16.7% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 223
+5 (+2.3%) YoY
0 QoQ
 -91 313 98 482 46%
Assets per Employee ($) $6.6M
+6.4% YoY
+2.0% QoQ
 -$3.9M $10.5M $8.5M $8.8M 19%
Branch Count 10
0 YoY
0 QoQ
 -10 20 7 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.2%
0.0pp YoY
+0.1pp QoQ
 -0.6pp 0.8% 0.8% 1.0% 26%
Allowance Coverage 3.84x
+2.0% YoY
-32.2% QoQ
 -14.87x 18.71x 31.69x 20.23x 71%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 21%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 9.4%
0.0pp YoY
+2.3pp QoQ
 -3.2pp 12.6% 12.3% 11.6% 28%
Cost of Funds (YTD) 2.5%
0.0pp YoY
+0.1pp QoQ
 +0.6pp 1.9% 1.9% 1.7% 84%
Net Income ($, YTD) $7.0M
+11.0% YoY
— QoQ
 -$12.2M $19.2M $6.1M $40.4M 23%

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 (1)

Revenue Diversifier

growth
#82 of 222 • Top 36.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.84%
(Tier: 0.53%, National: 0.66%)
better than tier avg
Return on Assets: 0.97%
(Tier: 1.39%, National: 1.30%)
but worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (2 metrics)

70
Non-Interest Income / Assets
revenue_mix
Value: 0.84%
Peer Median: 0.53%
#70 of 885 Top 7.8% in $1B-$10B
215
Nonperforming Asset Ratio
credit_quality
Value: 0.18%
Peer Median: 0.67%
#215 of 885 Top 24.2% in $1B-$10B

Top Weaknesses (2 metrics)

805
Tier 1 Capital Ratio
capital
Value: 10.38%
Peer Median: 14.84%
#805 of 885 Bottom 9.2% in $1B-$10B
797
Efficiency Ratio
profitability
Value: 76.60%
Peer Median: 59.73%
#797 of 885 Bottom 10.1% in $1B-$10B
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