CHARTER BANK

JOHNSTON, IA | Small | Est. June 15, 1998, midnight | FDIC #34686 | RSSD #2705112 | FDIC
Latest Report: 2025-12-31

CHARTER BANK is asn small FDIC-insured commercial bank headquartered in JOHNSTON, IA, established in June 15, 1998, midnight. As of 2025-12-31, the bank reported total assets of $223M and total deposits of $200M. Profitability stands at 1.62% ROA and 15.90% ROE, with a net interest margin of 3.63%. The bank's CET1 capital ratio is 9.99%. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #34686.

Assets

$223M

Deposits

$200M

Loans

$158M

Equity

$22M

Profitability

Return on Assets (ROA) 1.62%
Return on Equity (ROE) 15.90%
Net Interest Margin (NIM) 3.63%
Yield on Assets 5.37%
Cost of Funds 1.79%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.98%

Capital & Liquidity

CET1 Ratio 9.99%
Tier 1 Capital 9.99%
Total Capital Ratio 10.49%
Leverage Ratio 10.97%
Loan-to-Deposit 79.37%

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