CHARTER WEST BANK

WEST POINT, NE | Medium | Est. April 1, 1985, midnight | FDIC #26185 | RSSD #582953 | FED
Latest Report: 2025-12-31

CHARTER WEST BANK is amn medium FDIC-insured commercial bank headquartered in WEST POINT, NE, established in April 1, 1985, midnight. As of 2025-12-31, the bank reported total assets of $508M and total deposits of $450M. Profitability stands at 1.30% ROA and 14.34% ROE, with a net interest margin of 4.37%. The bank's CET1 capital ratio is 9.00%. Asset quality metrics show a non-performing loan ratio of 0.23% and a Texas Ratio of 1.83%. FDIC Certificate #26185.

Assets

$508M

Deposits

$450M

Loans

$414M

Equity

$47M

Profitability

Return on Assets (ROA) 1.30%
Return on Equity (ROE) 14.34%
Net Interest Margin (NIM) 4.37%
Yield on Assets 7.03%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.23%
Net Charge-Off Ratio 0.03%
Texas Ratio 1.83%
NPA Ratio 0.19%
ACL / Loans 1.22%

Capital & Liquidity

CET1 Ratio 9.00%
Tier 1 Capital 9.00%
Total Capital Ratio 9.45%
Leverage Ratio 9.33%
Loan-to-Deposit 92.08%

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