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Data through Q3 2026 · 4,200 institutions
Regulatory profile
West Point, NE · FDIC certificate #26185
CHARTER WEST BANK is an FDIC-insured institution based in West Point, NE (FDIC certificate #26185). In its Q3 2026 Call Report it reported total assets of $565M, total deposits of $504M and net loans of $445M. Its primary federal regulator is FED.
Plain-language readout
CHARTER WEST BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $565M in Q3 2026 and were lowest at $532M in Q1 2026.
Total deposits were highest at $504M in Q3 2026 and lowest at $473M in Q1 2026.
Over the whole period total assets rose 6.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $565M | $504M | $445M | 1.46% | 16.36% | 4.19% |
| Q2 2026 | $548M | $486M | $425M | 1.54% | 17.14% | 4.16% |
| Q1 2026 | $532M | $473M | $414M | 1.25% | 13.88% | 4.05% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $57.5M | $54.3M | +$3.2M | +5.8% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $30.0M | $29.2M | +$837K | +2.9% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $28.3M | $21.3M | +$7.0M | +32.8% |
| Net loans and leases (after allowance) | $396.4M | $392.4M | +$4.0M | +1.0% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $17.0M | $16.1M | +$903K | +5.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $616K | $616K | $0K | 0.0% |
| All other assets | $18.1M | $17.7M | +$451K | +2.5% |
| Total assets | $547.9M | $531.5M | +$16.4M | +3.1% |
| Liabilities | ||||
| Total deposits | $486.3M | $472.9M | +$13.3M | +2.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $106K | $899K | -$793K | -88.2% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $5.0M | $5.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $7.3M | $6.0M | +$1.2M | +20.4% |
| Total liabilities | $498.7M | $484.9M | +$13.8M | +2.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $2.0M | $2.0M | $0K | 0.0% |
| Surplus | $17.6M | $17.6M | $0K | 0.0% |
| Retained earnings | $31.2M | $28.8M | +$2.5M | +8.5% |
| Accumulated other comprehensive income | -$1.6M | -$1.7M | +$143K | +8.3% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $49.2M | $46.6M | +$2.6M | +5.6% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.1M | $1.5M | -$390K | -25.7% |
| Adjusted nonperforming assets | $1.1M | $1.5M | -$390K | -25.7% |
| Tangible equity plus allowance | $54.0M | $51.2M | +$2.7M | +5.4% |
| Texas ratio (gross) | 2.09% | 2.96% | -0.87 pts | See points |
| Texas ratio (adjusted) | 2.09% | 2.96% | -0.87 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 2.09% | 2.97% | -0.87 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 9.27% | 9.26% | +0.00 pts | See points |
| Construction and land loans to total capital | 61.71% | 66.58% | -4.88 pts | See points |
| Commercial real estate to total capital | 124.86% | 130.43% | -5.56 pts | See points |
| Dividend payout, year to date | 41.68% | 104.81% | -63.13 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -3.60% | -4.25% | +0.65 pts | See points |
| Liquidity | ||||
| Core deposits | $424.7M | $411.1M | +$13.6M | +3.3% |
| Non-core funding | $66.7M | $67.7M | -$1.1M | -1.6% |
| Loans to core deposits | 94.59% | 96.70% | -2.11 pts | See points |
| Loans to deposits | 82.61% | 84.06% | -1.45 pts | See points |
| Brokered deposits share of deposits | 4.35% | 4.50% | -0.15 pts | See points |
| Pledged securities share of securities | 87.93% | 89.97% | -2.04 pts | See points |
| Loans pledged, share of loans | 107.04% | 105.36% | +1.68 pts | See points |
| Volatile liabilities | $66.7M | $67.7M | -$1.1M | -1.6% |
| Earnings | ||||
| Earnings before provision, year to date | $4.5M | $1.8M | +$2.7M | +149.6% |
| Earnings before provision, single quarter | $2.7M | $1.8M | +$896K | +49.6% |
| Provision for credit losses, year to date | $345K | $150K | +$195K | +130.0% |
| Yield and cost | ||||
| Yield on loans and leases | 7.29% | 7.12% | +0.17 pts | See points |
| Yield on interest-bearing balances due from banks | 3.83% | 3.27% | +0.56 pts | See points |
| Total interest income to average assets | 6.19% | 6.03% | +0.16 pts | See points |
| Cost of interest-bearing transaction accounts | 2.54% | 2.47% | +0.07 pts | See points |
| Cost of savings and money market deposits | 1.74% | 1.64% | +0.09 pts | See points |
| Cost of time deposits | 3.88% | 3.96% | -0.08 pts | See points |
| Total interest expense to average assets | 2.33% | 2.31% | +0.02 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $565M | $504M | $445M | 1.46% | 16.36% | 4.19% |
| 2026-06-30 | $548M | $486M | $425M | 1.54% | 17.14% | 4.16% |
| 2026-03-31 | $532M | $473M | $414M | 1.25% | 13.88% | 4.05% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $439.4M | 0.48% | 40 | Continuing · +0.03 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.