Western National Bank
Chester, NE
IDRSSD: 199351
Total Assets
$244.63M
Latest filing
Total Deposits
$219.52M
Latest filing
Net Interest Margin
4.22%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
104103829CURTIS, NE
Key People
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Locations
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Main Office
Western National Bank
523 Thayer Ave
Chester, NE 68327
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/07/1917FDIC Certificate 3191
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Western National Bank (Main) | 523 Thayer Ave | Chester, NE |
| COOK BRANCH | 129 W Main St | Cook, NE |
| BYRON BRANCH | 115 Kansas Ave | Byron, NE |
| TECUMSEH BRANCH | 167 N 12th St | Tecumseh, NE |
| SYRACUSE BRANCH | 1780 Poplar St | Syracuse, NE |
| LOUISVILLE BRANCH | 105 Main St | Louisville, NE |
| SUMMERFIELD BRANCH | 401 Main St | Summerfield, KS |
| CAIRO BRANCH | 415 S High St | Cairo, NE |
Showing 7 of 11
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, national (federal) charter, Fed member, and supervised by the OCC |
| Primary Regulator | OCC |
| Established Date | 04/07/1917 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 68327 |
| State and County Number | 31169 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 3 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 43 |
| Domestic Offices | 12 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.mywnb.com |
| Data Updated | 01/30/2026 |
| CERT | 4778 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $244.63M |
| Total Deposits | $219.52M |
| Total Liabilities | $220.90M |
| Total Equity Capital | $23.73M |
| Net Income | $773.00k |
| Net Loans and Leases | $197.33M |
| Assets Per Employee ($Millions) | $5.56M |
| Bank Premises and Fixed Assets | $5.36M |
| Cash and Balances due from Depository Institutions | $9.79M |
| Deposits Held in Domestic Offices | $219.52M |
Key Performance Ratios
| Return on Assets (ROA) | 1.27% |
| Return on Equity (ROE) | 13.16% |
| Net Interest Margin | 4.22% |
| Efficiency Ratio | 65.22% |
| Tier 1 Risk-Based Capital Ratio | 11.858% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.16% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.7% |
| Earning Assets to total Assets | 91.57% |
Income and Expense
| Total Interest Income | $3.46M |
| Total Noninterest Income | $218.00k |
| Total Interest Expense | $1.12M |
| Total Noninterest Expense | $1.67M |
| Net Interest Income | $2.34M |
| Pre-tax Net Operating Income | $791.00k |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $450.00k |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $129.00k |
| All Other Liabilities | $798.00k |
| Total Liabilities and Capital | $244.63M |
Securities
| Securities | $19.61M |
| Available-for-sale debt securities | $18.92M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $687.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Western National Bank?
$244.63M as of the latest filing.
How much are Western National Bank's total deposits?
$219.52M in total deposits.
Where is Western National Bank located?
Chester, NE.
What is the Net Interest Margin?
4.22%.
How many domestic offices does it operate?
12.
When was it established?
04/07/1917.
What is the Return on Assets (ROA)?
1.27%.
How much are total loans and leases?
$197.33M (latest filing).
What is the total interest income (latest filing)?
$3.46M.