Checked
West Gate Bank
Lincoln, NE · State-chartered bank (not a Fed member) · Part of West Gate Banshares Inc
- Total assets
- $1.47B
- Q2 2026
- Deposits
- $1.27B
- Net income
- $7.02M
- first half of 2026
- Return on assets
- 0.97%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 19850
- Main office
- Lincoln, NE
- Holding company
- West Gate Banshares Inc
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 09/03/1968
- FDIC insured since
- 09/03/1968
- U.S. offices
- 10
- Employees (full-time equivalent)
- 223
- Specialty
- Commercial Lending Specialization
- Website
- my.westgate.bank
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $1.47B | $1.44B | $1.4B | $1.36B | $1.35B | $1.26B | $1.3B | $1.31B |
| Deposits | $1.27B | $1.2B | $1.18B | $1.14B | $1.09B | $1.06B | $953.6M | $1.07B |
| Net loans and leases | $1.06B | $1.03B | $981.2M | $959.9M | $943.8M | $910.2M | $917.5M | $930.9M |
| Securities | $245.7M | $250.8M | $257.8M | $255.9M | $255.1M | $206.4M | $213.8M | $227.8M |
| Equity capital | $155M | $146.8M | $146.6M | $142.6M | $135.9M | $134.2M | $133.8M | $138.4M |
| Net income (year to date) | $7.02M | $2.61M | $12.55M | $9.43M | $6.32M | $2.9M | $8.47M | $7.05M |
| Return on assets | 0.97% | 0.73% | 0.94% | 0.95% | 0.97% | 0.90% | 0.66% | 0.74% |
| Return on equity | 9.39% | 7.12% | 9.05% | 9.21% | 9.39% | 8.66% | 6.27% | 6.95% |
| Net interest margin | 3.64% | 3.46% | 3.39% | 3.36% | 3.32% | 3.25% | 3.38% | 3.45% |
| Efficiency ratio | 76.6% | 80.7% | 76.2% | 74.6% | 72.9% | 74.3% | 78.3% | 78.1% |
| Noncurrent loans | 0.25% | 0.17% | 0.30% | 0.21% | 0.28% | 0.19% | 0.15% | 0.11% |
| Net charge-off rate | 0.00% | 0.00% | 0.01% | 0.01% | 0.01% | 0.00% | 0.01% | 0.01% |
| Leverage (core capital) ratio | 10.38% | 11.28% | 11.51% | 11.88% | 12.15% | 11.94% | 11.53% | 11.57% |
| Total risk-based capital ratio | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Assets grew 8.8% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$945.4M89.4%
- Commercial and industrial loans$83.71M7.9%
- Consumer loans$340K0.0%
Find bank branches in Nebraska · Employees: 223
Frequently asked questions
- What is West Gate Bank's FDIC certificate number?
- West Gate Bank's FDIC certificate number is 19850.
- How big is West Gate Bank?
- West Gate Bank reported total assets of $1.47B and deposits of $1.27B as of Q2 2026.
- Is West Gate Bank FDIC insured?
- Yes. West Gate Bank has been insured by the FDIC since 09/03/1968. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026