BlastPoint's Banking Scorecard
CHARTER WEST BANK
West Point, NE
6 branches across NE
CHARTER WEST BANK has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 12.3% in tier
- + Net Interest Margin 0.12% above tier average
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 26.0% in tier
- - Credit Risk Growth: Bottom 47.3% in tier
- - Efficiency Ratio 15.21% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$531.5M
+9.8% YoY
+4.6% QoQ
|
+$145.4M |
$386.1M
+0.5% YoY
|
$791.1M
+6.6% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$413.7M
+11.3% YoY
+1.1% QoQ
|
+$157.9M |
$255.7M
+1.1% YoY
|
$551.6M
+6.9% YoY
|
$3.2B
+10.8% YoY
|
81% |
| Total Deposits ? |
$472.9M
+9.8% YoY
+5.1% QoQ
|
+$145.0M |
$328.0M
+0.1% YoY
|
$661.1M
+6.6% YoY
|
$4.8B
+8.2% YoY
|
77% |
| Return on Assets ? |
1.25%
+50.6% YoY
-8.6% QoQ
|
-0.02% |
1.27%
+12.9% YoY
|
1.36%
+20.0% YoY
|
1.23%
+13.4% YoY
|
53% |
| Net Interest Margin ? |
4.05%
+2.0% YoY
-4.3% QoQ
|
+0.12% |
3.93%
+6.0% YoY
|
3.79%
+6.5% YoY
|
3.89%
+5.7% YoY
|
60% |
| Efficiency Ratio ? |
80.49%
-5.3% YoY
+2.4% QoQ
|
+15.21% |
65.29%
-4.5% YoY
|
60.11%
-6.9% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate ? |
0.37%
+41.2% YoY
+58.2% QoQ
|
-0.52% |
0.89%
+18.8% YoY
|
0.72%
+6.8% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
87.47%
+1.4% YoY
-3.8% QoQ
|
+10.83% |
76.64%
+0.8% YoY
|
79.63%
+0.4% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
15.01%
-2.3% YoY
-0.4% QoQ
|
-7.01% |
22.02%
-1.0% YoY
|
17.92%
-1.5% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.29%
+43.1% YoY
+52.8% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.55%
+6.0% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
9.26%
+0.6% YoY
-0.7% QoQ
|
-6.57% |
15.83%
+1.5% YoY
|
14.10%
+3.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.1% in tier |
| Non-Interest Income / Assets ? |
0.84%
+31.8% YoY
-73.2% QoQ
|
+0.56% |
0.28%
+9.3% YoY
|
0.12%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Top 1.9% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.