# WESTERN NEBRASKA BANK
CURTIS, NE · FDIC certificate 1983 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $193.3M | |
| Deposits | $163.7M | |
| Loans and leases | $154.9M | |
| Total equity | $16.2M | |
| Loans / deposits | 93.60% (p85 of band) | 73.59% |
| Liquid assets / assets | 14.50% (p11 of band) | |
| Uninsured deposits / deposits | 7.87% (p8 of band) | 19.81% |
| Brokered deposits | 5.11% | |
| Wholesale funding | 11.54% (p87 of band) | |
| FHLB advances / assets | 5.95% | |
| Tier 1 leverage | 10.07% (p26 of band) | 11.76% |
| Unrealized securities loss / equity | -24.78% (p18 of band) | -6.57% |
| AOCI / equity | 0.17% (p91 of band) | |
| ROA (annualized) | 1.28% (p56 of band) | 1.17% |
| Net interest margin | 4.45% (p75 of band) | 3.93% |
| Efficiency ratio | 65.19% (p48 of band) | |
| Noncurrent loans | 0.01% (p25 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p58 of band) | |
| Reserve coverage of noncurrent | 14736.36% | |
| Real estate % of loans | 60% | |
| Construction % of loans | 41.39% (p74 of band) | |
| Auto loans | $1.7M (1.11% of loans; DQ 2.79%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.6% | |
| Employees | 33 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | brokered >10% |  |
| 2011-09 | 3 | wholesale funding >15%, capital falling |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | capital falling |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 1 | wholesale funding >15% | capital falling |
| 2013-09 | 2 | loans exceed deposits |  |
| 2013-12 | 3 | brokered >10%, capital falling | loans exceed deposits |
| 2014-03 | 2 | reserve under noncurrent | wholesale funding >15%, capital falling |
| 2014-06 | 1 |  | reserve under noncurrent |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | capital falling |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 | wholesale funding >15% | capital falling |
| 2015-09 | 1 |  | brokered >10% |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | capital falling, reserve under noncurrent |  |
| 2016-09 | 2 | wholesale funding >15% | reserve under noncurrent |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 0 |  | wholesale funding >15% |
| 2017-06 | 1 | reserve under noncurrent |  |
| 2017-09 | 3 | wholesale funding >15%, capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | wholesale funding >15% |
| 2018-06 | 3 | wholesale funding >15% |  |
| 2018-09 | 4 | brokered >10% |  |
| 2018-12 | 4 |  |  |
| 2019-03 | 2 |  | capital falling, wholesale funding >15% |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | charge-offs p90 |  |
| 2019-12 | 2 | wholesale funding >15% | reserve under noncurrent, brokered >10% |
| 2020-03 | 1 | capital falling | charge-offs p90, wholesale funding >15% |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2021-03 | 2 |  | uninsured deposits leaving |
| 2021-06 | 1 |  | capital falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | charge-offs p90 |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 4 | charge-offs p90, uninsured deposits leaving |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 | wholesale funding >15% | uninsured deposits leaving |
| 2023-12 | 2 | capital falling | wholesale funding >15% |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 3 | wholesale funding >15%, capital falling, securities losses >30% of equity |  |
| 2025-03 | 3 | charge-offs p90, uninsured deposits leaving | wholesale funding >15%, capital falling |
| 2025-06 | 1 |  | charge-offs p90, uninsured deposits leaving |
| 2025-09 | 1 | wholesale funding >15% | securities losses >30% of equity |
| 2025-12 | 2 | capital falling |  |
| 2026-03 | 0 |  | wholesale funding >15%, capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-09 [Financial adviser who help swindle banks ordered to pay $37 million in restitution - Nebraska Examiner](https://news.google.com/rss/articles/CBMivwFBVV95cUxONEpqYVZCTFB6emZXUjBDS3p6UWlTaW1JazVyVjVfek9VVFBwNU1leGhFeW5TbGZQWnJ2NV9zLTBfc3FwVllOT250Vm5Jc2Q4QTVBcTFnc2QyQ0h2dXJpX1kzaG9nMFo5Rm8wSGJzT3V6bjgxSmluNF9uUWtneDZqT2VPOEVFMHpqdWR2NlFaVnNRZmtNSnYxVDlJMm5WSW9JaU5XN3VNaTFzRndlLVRiNzYxX1BheTQyU1JuXzAybw?oc=5) · Nebraska Examiner
- 2023-01-20 [Western Nebraska Bank opens branch at McDaid Elementary - knopnews2.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxNb1F0TUItLUM4SmZZQUkwZkVyeWdSTFRDbkNmWnhhOVBCOUNhS2F3LXJVZkVVTlNSaGtSN20wcUI1M281bXg0cnRIbTloaVF6M3BNTmFMOFRpYXhPT3B6Z09jdEhjdURPTTJFN1hXbzkwLWktd0tpSDJId3RqOEVMNnRHWWtYOE1DS21uSF9KUjhSSnhpSENJMdIBrAFBVV95cUxOd0d2YnZDZUhYQ01xUlpRUXR5b3ZjVUVrTkdYQ3pPR2R5S2dFenNFZUVELTZHOF9TdG96WUZWYlVMOVNaRXN6cl82ZXlXSy11QzVxWGtaOWFwNHVwcnVWS0djQUM3S1k2TEFFS24wemFSV1RUQVNPNUEwQnBpcGUtV0Y2ZXd0MFRPNWlTcVJCS050Y2N0eHJYdV9NdDJQWHhKaWpjaHNEVnZfNkp1?oc=5) · knopnews2.com
- 2023-02-20 [Banks caught up in massive bank fraud begin to show temporary losses - Nebraska Examiner](https://news.google.com/rss/articles/CBMirgFBVV95cUxOR3M0NlV1Y1dPQVIxR0hXMk1aX2t1ME5qR1VXcFRmN3YxMWEwdjJnN1lsUF8xdWtFMXBZVzNfOGY0U3VVVEpyWUs3TkdiT0NlaHJiLTNsMzNmXzRmSTZhLXlETFMtSkFqUGFqUG1jVEc1dFdycVJhODE4d2hJRnkwcDZublVZX2RGSS1NU0dkam50b3NfbWdXVGpKazlrSi1WRmNOZWRfRlRBaDU5Zmc?oc=5) · Nebraska Examiner
- 2022-07-11 [Faces of the Front Range: Tech exec with more than 100 patents gives credit to his upbringing - The Denver Post](https://news.google.com/rss/articles/CBMihwFBVV95cUxONGF4Q20yWndfalcwaEIyOEI4VVlZZ014d2JLWFEyQUk5NkFBQTBKY2ZYSnpYeXpFZ0JwNXlVU095aFhmcFpFR0N2SElVWXl3SlQ4VmVzU3FIbkZNZU53US1VdlBpM29TTmZQR3NtRHF4OEFqTkJyN1lqTGxKelk1ODhBSUllY1k?oc=5) · The Denver Post
- 2022-03-13 [KNEB-AM 960 AM – 100.3 FM - Joshua Scott Magee, 36, Curtis, Ne. - Rural Radio Network](https://news.google.com/rss/articles/CBMihgFBVV95cUxQNlRITnpGQ2V1eVNmZGVxX25FeVlQNUtjem5uTjZ3enM1Zm5KMlIwMXk3Ujc2OVNnYTNwazRHRFpVVFAwT2lPV0Q4SjFhMzktVFh0V3V0S1o2S3RwN0l4UlAtVWh3WDJabEQyNTNPQjdNT1dxWEU5dzdhQjExem9vZ2F5YlZkdw?oc=5) · Rural Radio Network
- 2024-12-07 [Ryan Hunter Obituary (1979 - 2024) - North Platte, NE - North Platte Telegraph - Legacy obituary](https://news.google.com/rss/articles/CBMijwFBVV95cUxPeDNUVFBmRmFfUzZXOUZkZE9hQXllWkxSVTVoalpicURubUM1ZzlLdktDeUJScGZ2cXkwQ2tlcXhUN1hMaHg5dVkyME9RUmNiWG1Ma1R0RS1sX2NmTWJ3WmxUaEtFWFdnd01ZUFB5QVVqYjc3d2ZrNG5RYUxEbmpseVpFUzFsYW1HSWFUckt2bw?oc=5) · Legacy obituary
- 2022-12-02 [State investigating what could be Nebraska’s largest bank fraud - Nebraska Examiner](https://news.google.com/rss/articles/CBMipgFBVV95cUxOZmlxMmY3Z0NtSnlyamRpWW04NkRTU2ZCMzktQnN6cnVDMXRTcDY5SUtLS0hwd2kxQ0pnX2pLTk9VOU5rME1WZEhDU1FHMHhoazhrVDFVcU5QbDRaamtjRjBVN3I4QWQ0Rlo0cVpnc2o0SHlMVDBUMXNaaWxvd0wtU193eUg4UjczQnVjRHgwVXNYWndtenhuZFg4dWZ3QXAzbkY4WFRn?oc=5) · Nebraska Examiner
- 2024-02-12 [Financial adviser who allegedly helped facilitate huge bank fraud still not charged - Nebraska Examiner](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPbDZodVB6Nmk5N25zLTVJeEtlYmlBOXdBblFHa0lqVTU4YzF0LTRsWjd0dEtuYlpwWUdqbW1yRVVaeVQxVkQzUnhXZ25uMjFOMnZqS3VOaUhkYmF5UmNIWGhEWmE1RnBzRFdVbmxuMFkzNW9sQ1RUeEo2NWV3bC1ZUU1OcXhicC1rUjVyd3dIenJvbUltVFlnaXZPNXM5cnhLWnRjZFIxQ2E2LWMzbEQ4NzhXVGtDSHpFR2M1ZHVQRDg2QQ?oc=5) · Nebraska Examiner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=1983 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/63.json (key "1983", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide