Western National Bank (FDIC #4778): Bank Stress & Real-Estate Credit Exposure
Western National Bank (FDIC Cert #4778): bank stress 62/100, elevated, STABLE over 7 days; parent SUMMERFIELD FINL SERVICES LLC.
Western National Bank (#4778) lends in 9 counties across 2 states; Western National Bank (#4778) reaches 141 ZIP codes: Nebraska 8 counties, 128 ZIPs; Kansas 1 county, 13 ZIPs.
Western National Bank (#4778) largest markets: Lancaster County, NE (44 branches, 44 ZIPs) (#4778), Cass County, NE (20 branches, 20 ZIPs) (#4778), Otoe County, NE (20 branches, 20 ZIPs) (#4778), Gage County, NE (18 branches, 18 ZIPs) (#4778), Thayer County, NE (34 branches, 17 ZIPs) (#4778), Marshall County, KS (13 branches, 13 ZIPs) (#4778).
Western National Bank (#4778) reports $257.4 million in total assets; Western National Bank (#4778) equity $24.3 million (9.5% of Western National Bank (#4778) assets); Western National Bank (#4778) domestic deposits $232.0 million; Western National Bank (#4778) net income $1.9 million; Western National Bank (#4778) return on assets 1.51%; Western National Bank (#4778) return on equity 15.94%; Western National Bank (#4778) net interest income $4.9 million; Western National Bank (#4778) call report June 30, 2026.
Western National Bank (#4778) noncurrent real-estate loans: none reported; Western National Bank (#4778) net charge-offs on real estate 0.03%.
Western National Bank (#4778) net interest margin 4.17% against an eight-quarter Western National Bank (#4778) average of 3.87% (Western National Bank (#4778) compression -0.29 points); Western National Bank (#4778) rate-exposure score 40/100, Western National Bank (#4778) fixed-rate trap 40/100; Western National Bank (#4778) risk type credit driven; Western National Bank (#4778) rate regime rates elevated, Western National Bank (#4778) snapshot October 20, 2026.
Western National Bank (#4778) stress score moved from 61.3 on June 22, 2026 to 62.3 on October 20, 2026; Western National Bank (#4778) ranged 61.3 to 62.3 over 117 snapshots.
Western National Bank (#4778) alerts: 9 counties; top Western National Bank (#4778) alert scores: Lincoln County, NE 43 (moderate); Cairo County, NE 21 (low); Chester County, NE 21 (low); Louisville County, NE 21 (low); Peru County, NE 21 (low).