BlastPoint's Banking Scorecard
Charter Bank
Johnston, IA
4 branches across IA
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 167 in IA.
- Deposits +8.2% year over year ($203.5M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.75%.
- Efficiency ratio 49.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Charter Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39.3% in tier
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 14.55% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.35% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$227.5M
+5.9% YoY
-0.1% QoQ
|
-$159.0M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$164.5M
+7.8% YoY
-0.6% QoQ
|
-$93.9M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
39% |
| Total Deposits ? |
$203.5M
+8.2% YoY
+0.1% QoQ
|
-$123.3M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
35% |
| Return on Assets ? |
1.75%
+33.1% YoY
-0.6% QoQ
|
+0.43% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
3.64%
+10.8% YoY
+1.4% QoQ
|
-0.35% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
49.93%
-12.2% YoY
-0.1% QoQ
|
-14.55% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
80.83%
-0.4% YoY
-0.8% QoQ
|
+2.88% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
48% |
| Non-Interest-Bearing Deposit Share ? |
26.94%
-11.4% YoY
+0.5% QoQ
|
+4.91% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.03%
-0.7% YoY
+1.9% QoQ
|
-4.88% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.19%
+20.8% YoY
+112.9% QoQ
|
-0.37% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
47% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
26.9%
-3.5pp YoY +0.1pp QoQ |
+4.8pp | 22.1% | 17.8% | 22.2% | 72% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.5%
+1.5pp YoY -0.8pp QoQ |
+1.9pp | 11.6% | 12.8% | 12.5% | 70% |
| CRE |
40.2%
-5.1pp YoY -1.4pp QoQ |
+0.7pp | 39.5% | 28.3% | 41.4% | 53% |
| 1-4 Family |
36.5%
+2.8pp YoY +1.1pp QoQ |
+3.8pp | 32.6% | 23.0% | 31.3% | 64% |
| Consumer |
3.5%
+0.8pp YoY +1.3pp QoQ |
-0.6pp | 4.1% | 2.9% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
11.0%
-0.1pp YoY +0.2pp QoQ |
-1.1pp | 12.2% | 12.4% | 12.6% | 51% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
24
-3 (-11.1%) YoY 0 QoQ |
-35 | 58 | 64 | 482 | 17% |
| Assets per Employee ($) |
$9.5M
+19.1% YoY -0.1% QoQ |
+$2.0M | $7.5M | $8.9M | $8.8M | 83% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 5 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 31% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.4%
+3.6pp YoY -0.3pp QoQ |
+5.2pp | 12.2% | 12.8% | 11.6% | 79% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 49% |
| Net Income ($, YTD) |
$2.0M
+41.1% YoY — QoQ |
-$578K | $2.6M | $4.0M | $40.4M | 52% |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.