BlastPoint's Banking Scorecard
Western National Bank
Chester, NE
12 branches across NE · KS
Western National Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 24.0% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.18% above tier average
- + Efficiency Ratio 4.71% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 41.0% in tier
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$261.8M
+6.5% YoY
+7.0% QoQ
|
-$124.3M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$197.9M
+2.4% YoY
+0.3% QoQ
|
-$57.9M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
48% |
| Total Deposits ? |
$236.4M
+6.4% YoY
+7.7% QoQ
|
-$91.6M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.51%
+32.8% YoY
+22.9% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
4.11%
+8.7% YoY
+2.7% QoQ
|
+0.18% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
60.57%
-10.0% YoY
-8.3% QoQ
|
-4.71% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.02%
-26.4% YoY
-10.0% QoQ
|
-0.86% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
83.69%
-3.8% YoY
-6.9% QoQ
|
+7.05% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
17.49%
+4.2% YoY
+9.4% QoQ
|
-4.53% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.02%
-29.2% YoY
-15.7% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
84% |
| Tier 1 Capital Ratio ? |
9.24%
-20.0% YoY
-22.1% QoQ
|
-6.59% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.0% in tier |
| Non-Interest Income / Assets ? |
0.03%
-10.2% YoY
-84.0% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.5% in tier |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.