WebBank
WebBank reported total assets of $2.9 bn at Q2 2026, up 31.4% on a year earlier, the 441st largest of 497 banks in our US coverage. The CET1 capital ratio at WebBank was 18.10%, and the uninsured share of WebBank was 13.87%. Source: FDIC Call Reports.
Key takeaways
- On noncurrent loans to total loans, WebBank climbed from 448th to 206th among 500 US banks between and (1 = lowest; FDIC Call Reports).
- WebBank has one of the highest return on assets (ROA) readings among banks of $1 bn to $10 bn: 4.68% at , against a median of 1.32% across 339 banks (FDIC Call Reports).
- At 15.79%, the net interest margin of WebBank sits in the top tenth of its size group ($1 bn to $10 bn, 339 banks), where the median is 3.66% (FDIC Call Reports).
What sets WebBank apart
- Few banks of $1 bn to $10 bn report a higher return on equity (ROE) than WebBank, at 28.37% in against a group median of 12.68%.
- WebBank has one of the highest tier 1 leverage ratio readings among banks of $1 bn to $10 bn: 17.39% at , against a median of 10.45% across 339 banks.
- Over the year to , the net interest margin of WebBank fell by 1.14 pp to 15.79%, a bigger fall than at 99% of covered banks.
How large is WebBank?
The balance sheet of WebBank at : assets $2.9 bn, deposits $2.3 bn, net loans $2.4 bn (loans equal to 106.38% of deposits). Securities make up 8.0% of total assets at WebBank. Since , when WebBank held $387.9 mn, its assets grew 637.7%. In the year to , deposits at WebBank rose 33.7% while its total assets rose 31.4%. At , WebBank employed 257 full-time equivalent staff across 1 office, about $11.1 mn of assets per employee and $2.3 bn of deposits per office.
How much funding at WebBank is uninsured?
At WebBank, uninsured deposits (above the FDIC limit) made up 13.87% of domestic deposits at (+2.46 pp on a year earlier); WebBank ranks 452nd of 500 on this measure. In dollars, WebBank estimated $313.9 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.3 bn | +33.7% | 465th of 499 |
| Net loans and leases | $2.4 bn | +34.9% | 380th of 500 |
| Loan-to-deposit ratio | 106.38% | +0.93 pp | 31st of 500 |
| Tier 1 leverage ratio | 17.39% | -1.25 pp | 14th of 500 |
| Total risk-based capital ratio | 19.18% | -1.67 pp | 48th of 448 |
| Net interest margin | 15.79% | -1.14 pp | 4th of 500 |
| Return on assets (ROA) | 4.68% | +0.35 pp | 4th of 500 |
| Efficiency ratio | 63.14% | -3.24 pp | 371st of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $325,000 | Turned from a gain into a loss | |
| Noncurrent loans to total loans | 0.51% | -0.77 pp | 206th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.43% | -0.74 pp | 428th of 500 (1 = lowest) |
US rank of WebBank: 1 = highest unless marked 1 = lowest.
Balance sheet
WebBank: assets, deposits and loans
- Total assets $2.9bn
- Deposits $2.3bn
- Net loans $2.4bn
Capital and securities
The CET1 ratio of WebBank stood at 18.10% in , -1.51 pp year on year. Low and high at WebBank since : 13.29% () to 37.27% (). Equity capital of WebBank at : $478.6 mn, or 16.7% of total assets. WebBank also reported a total capital ratio of 19.18% for , and a tier 1 leverage ratio of 17.39%.
On held-to-maturity securities, WebBank carried an unrealized loss of $325,000 at , equal to 0.1% of equity capital. The loss turned from a gain into a loss over the year. Its deepest point: $5.4 mn in .
WebBank: capital ratios
- Total capital 19%
- CET1 18%
- Tier 1 leverage 17%
WebBank: unrealized securities gains and losses
- Available for sale $0
- Held to maturity -$325,000
Profitability and loan quality
For the year to , WebBank earned a return on equity of 28.37%; return on assets: 4.68%. Net interest margin at WebBank: 15.79%, -1.14 pp in a year. WebBank net income: $65.5 mn, up 42.5% year on year. The efficiency ratio of WebBank was 63.14%: about 63 cents cost per revenue dollar, against 76 cents at the median peer.
At , noncurrent loans were 0.51% of total loans at WebBank; net charge-offs: 0.43% of average loans. Gross loans and leases at WebBank: $2.4 bn, up 34.6% in a year.
WebBank: profitability
- Return on equity 28%
- Net interest margin 16%
- Return on assets 4.7%
Peer group of WebBank
The peer group of WebBank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 1 shares the charter type of WebBank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Utah. Against them, WebBank shows CET1 ratio 18.10% against a peer median of 14.59%, return on equity 28.37% against a peer median of 9.79% and uninsured deposit share 13.87% against a peer median of 45.06%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| West Texas National Bank | National bank | TX | $2.9 bn | 16.75% | 15.54% | 64.10% | |
| Jefferson Bank | State nonmember bank | TX | $2.9 bn | not reported | 13.07% | 56.54% | |
| BayCoast Bank | State-chartered stock savings bank | MA | $2.9 bn | 10.77% | 5.65% | 32.75% | |
| WebBank | State nonmember bank | UT | $2.9 bn | 18.10% | 28.37% | 13.87% | |
| Bank Independent | State member bank | AL | $2.9 bn | 13.22% | 6.52% | 42.85% | |
| Industrial and Commercial Bank of China USA | National bank | NY | $2.9 bn | 17.53% | 3.88% | 37.25% | |
| ANB Bank | State member bank | CO | $2.9 bn | 14.59% | 13.09% | 47.27% | |
. FDIC Call Reports.
Last eight quarters
Two years at WebBank, to : assets +31.7%, deposits +30.5%, equity +30.9%. Staff 238 to 257.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.2 bn | $2.1 bn | $2.1 bn | $2.2 bn | $2.4 bn | $2.9 bn | $2.6 bn | $2.9 bn |
| Total deposits | $1.7 bn | $1.7 bn | $1.6 bn | $1.7 bn | $1.9 bn | $2.4 bn | $2.0 bn | $2.3 bn |
| Bank equity capital | $365.6 mn | $378.7 mn | $390.4 mn | $404.6 mn | $422.9 mn | $442.9 mn | $464.5 mn | $478.6 mn |
| CET1 ratio | 17.52% | 17.40% | 18.25% | 19.61% | 18.85% | 16.68% | 18.57% | 18.10% |
| Return on equity (ROE) | 23.31% | 23.68% | 22.66% | 23.51% | 24.79% | 25.57% | 27.71% | 28.37% |
| Uninsured share of domestic deposits | 11.09% | 10.59% | 9.78% | 11.41% | 12.22% | 14.30% | 14.11% | 13.87% |
| Full-time equivalent employees | 238 | 236 | 238 | 230 | 243 | 250 | 247 | 257 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at WebBank
- Total assets at WebBank changed by +208.7% in the quarter to 2020-06-30, with no FDIC structure event in that quarter.
- Total assets at WebBank changed by -45.6% in the quarter to 2021-09-30, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of WebBank?
WebBank reported $2.9 bn at in its Call Report. That makes WebBank the 441st largest of 497 banks in our US coverage.
Is WebBank profitable?
WebBank reported net income of $65.5 mn for the year to ; annualized return on equity: 28.37%. So yes: WebBank made a profit over these months.
When is data for WebBank next updated?
Figures from WebBank for are due after .
Where can I check the figures for WebBank?
In the FDIC BankFind Suite record for certificate 34404, and in the Call Reports of WebBank (RSSD ID 2576134) at the FFIEC Central Data Repository.