# WESTERN NATIONAL BANK
CHESTER, NE · FDIC certificate 4778 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $257.4M | |
| Deposits | $232.0M | |
| Loans and leases | $204.4M | |
| Total equity | $24.3M | |
| Loans / deposits | 87.10% (p75 of band) | 73.59% |
| Liquid assets / assets | 15.04% (p12 of band) | |
| Uninsured deposits / deposits | 11.75% (p20 of band) | 19.81% |
| Brokered deposits | 0.19% | |
| Wholesale funding | 0.29% (p49 of band) | |
| FHLB advances / assets | 0.04% | |
| Tier 1 leverage | 9.15% (p13 of band) | 11.76% |
| Unrealized securities loss / equity | -8.17% (p45 of band) | -6.57% |
| AOCI / equity | -0.25% (p56 of band) | |
| ROA (annualized) | 1.51% (p68 of band) | 1.17% |
| Net interest margin | 4.17% (p63 of band) | 3.93% |
| Efficiency ratio | 61.33% (p38 of band) | |
| Noncurrent loans | 0.02% (p27 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 5439.53% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 36.73% (p70 of band) | |
| Auto loans | $2.2M (1.09% of loans; DQ 0.63%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 4.7% | |
| Employees | 42 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

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

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

- 2026-04-08 [Lattery joins Western National Bank as executive v.p. - BusinessNorth](https://news.google.com/rss/articles/CBMi2wFBVV95cUxOcWcycmNRX01kbDBGc202RHBzX3RDYUkwRXhhaVg5Z3hEMjNaUWJzdkNlMjRzLVRyMk9SaldIclhVV1pRY01BYVZ4OVl0M1lKZkFkQnFYNF9WYmtKWHNoYWc4UEI3bUZGUzdaQTFSTlpfemtEWVJ6cTV5U0g0b1FRTG1lOFI2VEx3Uk1BRTBjTktvU0pGMHEwMXU5ZTc5MER4andsRnlac3MxUzdWX2lTUzBOMjBLMGg1TnlkeXZSN1o4RUlEVnI4V0ZtMTVqWlR1MFNGYmNuYTFDTG8?oc=5) · BusinessNorth
- 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
- 2023-10-19 [Banks caught up in massive bank fraud begin to show temporary losses - Nebraska Public Media](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQYzFvRHcxZ1B0aXpRT2U4eHhtbUdVZVFmUHJPM2QxR1dZV2NTc3p4ZW5xSGlvMDEteGtwTkc1WWh3bVpRdHRULWFvbGVBUFdiYVdsQzBuMFBuNUh6aExMXzFSUHFNamJtZlJuS2VicjMyaDJTVERWYUZJWUptdGR4MHBHQ3l1azBieTBIUUFNSUtOUnNuLWdLTm9fTjR5djU5ZUtwQzhfX3VaWnEwYkozUUZQVEhETERuZEJmZ3c1R04?oc=5) · Nebraska Public Media
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 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
- 2024-09-05 [Four new members join St. Francis Foundation Board - Central Nebraska Today](https://news.google.com/rss/articles/CBMiogFBVV95cUxOU0FseVhGdS1zTHkzbkxfbkx3eFZTSVpnVUxxQm40by1lRlcyanZEYWloQVhIS0VLYTJkMUNpQmJyQzdoS2hvRktyVnBHTG5MSmdCVU9WQXNMM3FReWRRcVYwZ00tNDJiY1o2d2w1TnBoTDQ5WU5HdkZlOHBDV0lhSXd0aC16Tks3cHNvdHViVjFDdy1VMUxZbWRmbDlrazl4amc?oc=5) · Central Nebraska Today
- 2026-01-01 [Steven Patrick Obituary - Denver, CO - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxPRlpFbnlFaWdxUjhVenZpTnBybl9URjJfcEg5X0ZrVzRXUWwzeUxlUGZyUVNsUU9QYnA3Y0lvZkhMZmI1eE94WUtsblZzZzJlVWtKTjZ3RWNNNmZEN3RZX0s0MF9mNWQ0UVFCYXQ1cjR1UFRmNHV0d2RHcUZYdXpVQUx3?oc=5) · Dignity Memorial
- 2025-04-18 [When is Adamo's Kitchen, the new authentic Italian cuisine, coming to Mitchell’s Main Street? - Mitchell Republic](https://news.google.com/rss/articles/CBMizAFBVV95cUxQN2dxVWthQ1NxY2g0UlNQOGtyWkVLNHdodXBaNmxnZm1NMjBjYlVpTW5UUU8yazc1NG9tRlE2bDUtMk1LNDRjbVZ3RDJ6MEF3LWNjY2FGZ3RjU1pMdnVpM2ItZVR6M3FoZFlGLUhHWm1HT1RuN1gwR0toemxrc1ZiY2lYcDVPbTAzX3N6Q2RKMEpLYWo3WjFXUzdrcXkwRm51bDV2UkQ1Qk9QZDhtLUlrR1Y5ZE4yRVhITmFXVzZseWd4U3N2bFBSSGlLZC0?oc=5) · Mitchell Republic

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4778 (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/42.json (key "4778", 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