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CHARTER WEST BANK

$100M-$1B Specialty: Agricultural NE FDIC cert 26185

West Point, NE

8 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits +10.7% year over year ($486.3M on the books).
  • Delinquency rate 0.27%.
  • Return on assets 1.54%.
  • Efficiency ratio 77.59% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.33% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

CHARTER WEST BANK has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 9.2% in tier
  • + ROA 0.22% above tier average
  • + Net Interest Margin 0.17% above tier average
  • + Delinquency Rate 0.65% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 9.3% in tier
  • - Capital Thin: Bottom 49.2% in tier
  • - Efficiency Ratio 13.11% above tier average
Get updates when CHARTER WEST BANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $547.9M
+7.6% YoY +3.1% QoQ
+$161.3M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
76%
Total Loans ? $424.7M
+5.6% YoY +2.7% QoQ
+$166.3M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
82%
Total Deposits ? $486.3M
+10.7% YoY +2.8% QoQ
+$159.5M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
78%
Return on Assets ? 1.54%
+15.0% YoY +23.5% QoQ
+0.22% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 4.16%
+1.0% YoY +2.7% QoQ
+0.17% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
63%
Efficiency Ratio ? 77.59%
-1.2% YoY -3.6% QoQ
+13.11% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
17%
Delinquency Rate ? 0.27%
-8.9% YoY -27.6% QoQ
-0.65% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
60%
Loan-to-Deposit Ratio ? 87.33%
-4.5% YoY -0.2% QoQ
+9.38% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 11.84%
-29.8% YoY -21.1% QoQ
-10.19% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
Bottom 14.1% in tier
Nonperforming Asset Ratio ? 0.21%
-10.5% YoY -27.9% QoQ
-0.46% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
60%
Tier 1 Capital Ratio ? 9.27%
+1.0% YoY +0.0% QoQ
-6.64% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
Bottom 2.9% in tier
Non-Interest Income / Assets ? 1.84%
+21.1% YoY +119.3% QoQ
+1.27% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Top 1.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 11.8%
-5.0pp YoY
-3.2pp QoQ
 -10.3pp 22.1% 17.6% 22.2% 14%
Brokered Deposits 4.3%
-0.2pp YoY
-0.2pp QoQ
 -3.5pp 7.9% 8.9% 8.5% 47%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 10.6%
+0.7pp YoY
+0.1pp QoQ
 -0.9pp 11.6% 12.3% 12.5% 56%
CRE 29.3%
+1.2pp YoY
+0.5pp QoQ
 -10.2pp 39.5% 32.3% 41.4% 34%
1-4 Family 33.3%
+1.9pp YoY
+1.6pp QoQ
 +0.7pp 32.6% 16.9% 31.3% 58%
Consumer 2.0%
-0.3pp YoY
-0.2pp QoQ
 -2.1pp 4.1% 3.1% 5.0% 47%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 16.1% 19.7% n/a
Leverage Ratio 9.3%
+0.1pp YoY
0.0pp QoQ
 -2.9pp 12.2% 12.1% 12.6% 16%
Total Capital Ratio n/a n/a 19.9% 17.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 172
+24 (+16.2%) YoY
+11 (+6.8%) QoQ
 +113 58 98 482 99%
Assets per Employee ($) $3.2M
-7.4% YoY
-3.5% QoQ
 -$4.3M $7.5M $8.5M $8.8M 2%
Branch Count 6
0 YoY
0 QoQ
 +1 4 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.3%
0.0pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 0.8% 1.0% 36%
Allowance Coverage 4.74x
+16.1% YoY
+38.4% QoQ
 -19.42x 24.15x 31.69x 20.23x 69%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 53%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 17.1%
+1.8pp YoY
+3.3pp QoQ
 +4.9pp 12.2% 12.3% 11.6% 78%
Cost of Funds (YTD) 2.5%
-0.2pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.9% 1.7% 90%
Net Income ($, YTD) $4.1M
+24.9% YoY
— QoQ
 +$1.5M $2.6M $6.1M $40.4M 81%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#62 of 661 • Top 9.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 1.84%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.54%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (2)

NIB Deposit Bleed

decline
#16 of 162 • Bottom 9.3% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 11.84%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

Capital Thin

risk
#326 of 661 • Bottom 49.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 9.27%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

48
Non-Interest Income / Assets
revenue_mix
Value: 1.84%
Peer Median: 0.57%
#48 of 2643 Top 1.8% in $100M-$1B
488
Total Loans
size
Value: $424.68M
Peer Median: $258.35M
#488 of 2643 Top 18.4% in $100M-$1B
574
Total Deposits
size
Value: $486.28M
Peer Median: $326.73M
#574 of 2643 Top 21.7% in $100M-$1B
635
Total Assets
size
Value: $547.90M
Peer Median: $386.57M
#635 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (3 metrics)

2568
Tier 1 Capital Ratio
capital
Value: 9.27%
Peer Median: 15.91%
#2568 of 2643 Bottom 2.9% in $100M-$1B
2271
Non-Interest-Bearing Deposit Share
funding
Value: 11.84%
Peer Median: 22.03%
#2271 of 2643 Bottom 14.1% in $100M-$1B
2199
Efficiency Ratio
profitability
Value: 77.59%
Peer Median: 64.48%
#2199 of 2643 Bottom 16.8% in $100M-$1B
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