Western National Bank
Chester, Nebraska, Thayer County
$257M in total assets, the 2,711th largest of 4,309 US banks and 67th of 139 headquartered in Nebraska.
- FDIC certificate
- 4778
- Established
- 1917
- Owned by
- Summerfield Finl Services Llc
- Primary regulator
- OCC
- Website
- www.mywnb.com
At a glance
Compared with 80 banks headquartered in Nebraska with $100 million to $1 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $257M | 45% | $305M | |
| Loans | $204M | 48% | $221M | |
| Deposits | $232M | 46% | $258M | |
| Return on assets | 1.40% | 54% | 1.32% | |
| Net interest margin | 4.17% | 70% | 3.93% | |
| Efficiency ratio | 61.3% | 65% | 57.7% | |
| Equity to assets | 9.45% | 25% | 11.11% | |
| Loans to deposits | 88% | 55% | 86% |
Growth
Total assets grew 12.2% a year over the last 5 years and 12.5% a year over 10 years, including 2 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2021 | Mainstreet Bank Cook, NE | $105M |
| Jul 2017 | Byron State Bank Byron, NE | $44M |
| Jan 2014 | State Bank of Chester Chester, NE | $28M |
Where they operate
11 branches in 9 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Thayer County, NE | $79M | 16.4% | 2 of 6 |
| Gage County, NE | $32M | 3.6% | 7 of 9 |
| Marshall County, KS | $24M | 3.3% | 6 of 8 |
| Johnson County, NE | $24M | 14.4% | 4 of 5 |
| Hall County, NE | $22M | 0.7% | 16 of 18 |
| Nemaha County, NE | $17M | 4.8% | 4 of 4 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 8 branches since 2016 (3 to 11, +266.7%). 0 opened, 9 acquired, 1 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 3 | |||
| 2017 | Acquired Byron State Bank | 1 | 0 | +1 | 4 |
| 2021 | Acquired Mainstreet Bank | 8 | 0 | +8 | 12 |
| 2022 | Closed Virginia | 0 | 1 | −1 | 11 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| 1-4 family residential | 22% | 16% | |
| Agricultural | 21% | 23% | |
| Farmland | 20% | 21% | |
| Commercial real estate | 11% | 16% | |
| Business (C&I) | 10% | 11% | |
| Multifamily | 9% | 3% | |
| Construction and land | 4% | 7% | |
| Consumer | 2% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Time deposits | 46% | 36% | |
| Other interest-bearing | 36% | 47% | |
| Noninterest-bearing | 17% | 17% |
Brokered deposits are 0.2% of deposits (peers 4.8%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.02% | 0.21% |
| Net charge-offs, annualized | 0.00% | 0.00% |
| Reserves to loans | 1.14% | 1.27% |
| Leverage ratio | 9.15% | 11.25% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Nebraska
Largest competitors in Thayer County, NE
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/western-national-bank-chester-ne