# WEST GATE BANK
LINCOLN, NE · FDIC certificate 19850 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (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 | $1.47B | |
| Deposits | $1.27B | |
| Loans and leases | $1.07B | |
| Total equity | $155.0M | |
| Loans / deposits | 82.99% (p40 of band) | 87.10% |
| Liquid assets / assets | 18.42% (p39 of band) | |
| Uninsured deposits / deposits | 15.62% (p10 of band) | 30.76% |
| Brokered deposits | 21.79% | |
| Wholesale funding | 23.68% (p92 of band) | |
| FHLB advances / assets | 1.89% | |
| Tier 1 leverage | 10.38% (p47 of band) | 10.50% |
| Unrealized securities loss / equity | -11.71% (p36 of band) | -7.75% |
| AOCI / equity | 2.20% (p99 of band) | |
| ROA (annualized) | 0.97% (p29 of band) | 1.26% |
| Net interest margin | 3.64% (p46 of band) | 3.70% |
| Efficiency ratio | 76.60% (p90 of band) | |
| Noncurrent loans | 0.25% (p27 of band) | 0.51% |
| Net charge-offs (annualized) | 0.00% (p26 of band) | |
| Reserve coverage of noncurrent | 383.93% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 83.16% (p80 of band) | |
| Auto loans | $57,000 (0.01% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $22.1M (14% of equity) (p89 of band) | |
| Deposits YoY | 16.9% | |
| Employees | 223 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 3 |  | brokered >10% |
| 2011-12 | 3 |  |  |
| 2012-03 | 2 |  | construction >100% equity |
| 2012-06 | 2 | uninsured deposits leaving | wholesale funding >15% |
| 2012-09 | 1 | wholesale funding >15% | reserve under noncurrent, uninsured deposits leaving |
| 2012-12 | 0 |  | wholesale funding >15% |
| 2013-03 | 1 | wholesale funding >15% |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 4 | brokered >10%, construction >100% equity |  |
| 2013-12 | 4 |  |  |
| 2014-03 | 4 | charge-offs p90 | capital falling |
| 2014-06 | 1 |  | wholesale funding >15%, brokered >10%, charge-offs p90 |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | construction >100% equity |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | wholesale funding >15%, uninsured deposits leaving |  |
| 2015-09 | 1 | construction >100% equity | wholesale funding >15%, uninsured deposits leaving |
| 2015-12 | 3 | brokered >10%, wholesale funding >15% |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | wholesale funding >15% |
| 2017-06 | 2 | wholesale funding >15% | construction >100% equity |
| 2017-09 | 1 | loans exceed deposits | brokered >10%, wholesale funding >15% |
| 2017-12 | 0 |  | loans exceed deposits |
| 2018-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2018-06 | 2 | capital falling, uninsured deposits leaving | brokered >10%, wholesale funding >15% |
| 2018-09 | 1 |  | uninsured deposits leaving |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 1 | loans exceed deposits |  |
| 2019-09 | 4 | brokered >10%, wholesale funding >15%, liquid assets <10% |  |
| 2019-12 | 2 |  | brokered >10%, wholesale funding >15% |
| 2020-03 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2021-12 | 0 |  | loans exceed deposits, reserve under noncurrent |
| 2022-03 | 4 | capital falling, expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2022-06 | 4 |  |  |
| 2022-09 | 4 | AOCI drag >20% of equity, construction >100% equity | noncurrent p90, reserve under noncurrent |
| 2022-12 | 1 |  | capital falling, AOCI drag >20% of equity, construction >100% equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | brokered >10%, wholesale funding >15%, uninsured deposits leaving | expense ratio p90 |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | wholesale funding >15% |
| 2024-06 | 2 | wholesale funding >15% |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 5 | capital falling, construction >100% equity, deposits shrinking, uninsured deposits leaving | brokered >10% |
| 2025-03 | 4 | brokered >10% | capital falling, deposits shrinking |
| 2025-06 | 2 |  | construction >100% equity, uninsured deposits leaving |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 4 | expense ratio p90 |  |
| 2026-06 | 3 |  | expense ratio p90 |

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

- 2026-05-08 [KTIC 840 AM/98.3 FM/98.7 FM - Bankers Graduate from Leadership Program - Rural Radio Network](https://news.google.com/rss/articles/CBMif0FVX3lxTFBzTmxqNDRsZlV4ejM5XzV5NmpZVlI5aXhiNFUwVlJOX2gyTEpyeDVTemNseDFINkRET0VTMWZ4aWU1dVo0WDB2a0ItUkRaZWFvbGcydzQ3NlhlY005NDV5d3VUdTlzMU1mb0h5TUUtaDdsOVhBbkl6M090d2cxTFU?oc=5) · Rural Radio Network
- 2013-08-29 [Servicing Management Solution From LPS to be Utilized by West Gate Bank - National Mortgage Professional](https://news.google.com/rss/articles/CBMisgFBVV95cUxOQnk0TmdGdTA1YVNCYlFnRXl0M2VNNkVYenRtU2hjUGpsS1d6NHY5ODJMLTVuRFN5UjVUcXRLbmZXQzJfUUh2SERXN1ZCQXlWRUtWazYyMlZzcUYzcFd4UmF3N3NkWUhsRkVfRENET0x2YV9TR2U4UWkzTXJpN0pzeFFya090d1RHNUN2dE9kdFU3MElzN1Q3T2o2blQwWHdmai1HRXAzaldnMV9FRnIwS0xn?oc=5) · National Mortgage Professional
- 2024-10-28 [Two men arrested in ‘ATM jackpotting’ scheme at Lincoln bank, police say - 1011now.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQbnJrZWZWWmZERkZvWkR1dXUtbktCWUg3eHpkb3FDRGpiVEdNWUNKQTVEcndpUjVfbmNJQmRGMkhWT2lrRlByeUItTDVQOGd0bGk0MFFhUVFpekxEMDBrNDRFNUpGWlo1eWFQOThoU3hvc1Z2VFJ5UUZaWmJaNE1kZFFEX3BaMW9qaWFDOXVuWEdZTHVYLV9fRWh1ZV9SNGRH0gG0AUFVX3lxTFA1VDk3R2Y2dF9RR2tqM0xkTGZBNmIza3dmdVRzSVAyeXp2Rmg5dml3cS1sLW95TzYzX3NHS3pKbmZWeEthNkVBNHp6MldRLThuc2ZNRlBjejExaGdPTzVtSVVSZ3dqbEJPZE9CczNpZi15LWpKaHRRVWN6RXQ2eE1wdHFDa0NxRmJNVC0zbjRlZUhFNEVNbU53M2ExV3hIVllDdVBYTWx4OE9qSXFTUEgxQnAwZQ?oc=5) · 1011now.com
- 2024-10-28 [Pair accused of stealing device from machine at Lincoln bank - KLKN-TV](https://news.google.com/rss/articles/CBMijAFBVV95cUxOZVlRLXRQT2dXa0U0NGx0TUJmMDN4WFJvY2JuQkptZHZrd1dKRlZMeldrLXd6QVpiZnYyTlRHeXRDVk01Tm1GTTZnSWYzaTNUMWhJQ1l1ZkZNZGRURmhYOFJNMmZ3V0d5Wmh6b1YtbFdqOTZiYTVwNlJBVDVYd0hMOVQxUUlpd1lmdURWeA?oc=5) · KLKN-TV
- 2021-10-28 [West Gate Bank promotes Anderson - Lincoln Journal Star](https://news.google.com/rss/articles/CBMimwFBVV95cUxQQkd4Y3N5V0EzWHJaWHV2T0E2b2hkb1RRT09IZXRZQ005WGdpSHdzaUtTMjlybll6WV9Va1Nza1dkX2tUTzVWbEJtZW50cGVWVXhWSG90bTBhWmpWRGZ5QnR0ejNJMGhManhkeHBSdC1TUUl0NW1IckwxMllCdXRUQmZmY1l6M2FEOGxHWnRURU1YeHd3Y3J4U1NFNA?oc=5) · Lincoln Journal Star
- 2018-11-29 [Edward "Ed" Copple - Roper and Sons](https://news.google.com/rss/articles/CBMiYEFVX3lxTE8xOF9EZ0dsM1d4cVFYR2Y0SnRZaFRNMkxWbmp3cU02WGhqVUZWbjZ6SzJwd2VlMVF5a3FzN05lRU5HOGxMVWdjSHFzdGNLcE5aaU5SUEhzOFJkTS1tZFVYNQ?oc=5) · Roper and Sons
- 2024-04-25 [Robert R. Culver Obituary Jul 18, 2023 - altogetherfuneral.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxPT2hUMFhuZlFfTFBfZnBjZUgteTJJdXpneEUtX3RoRExmOHNMcm96WVI2TVNtd1djdDZPR2pnVE8yZnZWbUZDNnBNT2JkLUgzbFU0c091NU1rYXczbS1lN3U0V2ZrLW1XVEJuYnZGTGNVNDl6N1U2ajdjTS1Zb2w5aE1TQzV3QVg1QWg2MXlzc25DUnNpblJvZDlseFI3WjFnS1dkLVk5aERiWmo3S2FJ?oc=5) · altogetherfuneral.com
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19850 (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/10.json (key "19850", 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.

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