Charter West Bank
BankRegReports is independent of Charter West Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Charter West Bank is an FDIC-insured commercial bank headquartered in West Point, NE, established in 1985 (FDIC certificate 26185), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $547.9M, up 7.6% from Q2 2025, the 41st largest of 138 banks headquartered in Nebraska. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.27% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 26185
- Headquarters
- West Point, NE
- Established
- 1985
- Total assets, Q2 2026
- $547.9M
- Assets vs Q2 2025
- +7.6%
- Tier 1 leverage ratio, Q2 2026
- 9.27%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 104901665
- Holding company
- NATIONWIDE BANKSHARES, INC.
- Asset rank in state
- 41st of 138 in Nebraska
Charter West Bank is one of the more profitable banks of its size. The West Point, Nebraska bank had $548 million in assets at June 30, 2026, up 7.6% from a year earlier. It returns 20.5% a year on shareholders' equity, higher than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it pays an average of 2.58% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
Its $45 million commercial and industrial book is improving, with 5.74% past due or on nonaccrual, down from 7.10% a year earlier. Deposits are coming in faster than loans: over the year loans rose 5.7% and deposits rose 10.7%. Where it has less room is capital: it funds 9.27% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Charter West Bank reported a return on assets of 1.81%, a nonperforming-loan ratio of 0.26% and a Texas ratio of 2.09%. The figures come from its call report filed with the FFIEC.
Charter West Bank ranks as the 41st largest of the 138 banks based in Nebraska, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.1% to $547.9M, loans rose 2.7% and deposits rose 2.8%. 1-4 family residential loans made up 32.9% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 14.8%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in NE; its West Point office books 39% of its branch deposits. Judged on its Q2 2026 call report, Charter West Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 201 S Main St, West Point, NE 68788
- County
- Cuming
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 1, 1985
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 172
- Domestic deposits
- $486.3M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $40K
- Average total assets
- $542.5M
- Average total loans
- $428.2M
- Average interest-bearing deposits
- $418.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 1, 1985
- FDIC Cert
- 26185
- Fed RSSD
- 582953
- Website
- www.charterwest.com →
- Parent Holding Company
- NATIONWIDE BANKSHARES, INC. (RSSD 1132579)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Charter West Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Charter West Bank's total assets moved between a low of $432.0M (Q3 2023) and a high of $547.9M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$547.9M total assets against $509.3M; $498.7M total liabilities against $465.1M.
$424.7M net loans and leases against $402.0M; $486.3M total deposits against $439.4M.
$30.0M securities against $28.9M; $57.5M cash and balances due against $43.1M.
$8.4M total interest income against $7.9M; $3.2M total interest expense against $3.1M.
$5.2M net interest income against $4.8M.
$5.6M total noninterest income against $4.7M; $8.2M total noninterest expense against $7.0M.
$195K provision for credit losses against $188K.
$2.5M net income against $2.3M.
1.81% return on assets against 1.83%; 4.17% net interest margin against 4.17%.
9.27% tier 1 leverage ratio against 9.17%.
Inside the full Charter West Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeCharter West Bank rankings
Its closest position to the top of a national ranking is 735 of 3,611, for ROA; its furthest is 3,045 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.84% (Q1 2025) to 1.83% (Q2 2025) and its net interest margin ran from 3.91% (Q3 2024) to 4.33% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.27% | 1.81% | 0.26% | 2.09% | 4.17% |
| Q1 2026 | 9.26% | 1.26% | 0.36% | 2.96% | 4.02% |
| Q4 2025 | 9.33% | 1.30% | 0.23% | 1.85% | 4.33% |
| Q3 2025 | 9.45% | 1.48% | 0.44% | 3.62% | 4.18% |
| Q2 2025 | 9.17% | 1.83% | 0.29% | 2.42% | 4.17% |
| Q1 2025 | 9.21% | 0.84% | 0.26% | 2.11% | 3.92% |
| Q4 2024 | 9.43% | 1.26% | 0.36% | 2.95% | 4.10% |
| Q3 2024 | 9.41% | 1.31% | 0.35% | 2.80% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Charter West Bank (main office) | West Point , NE | 68788 | $187.4M |
| Main Street Branch | Walthill , NE | 68067 | $182.9M |
| Elkhorn Branch | Elkhorn , NE | 68022 | $50.7M |
| Pender Branch | Pender , NE | 68047 | $44.5M |
| Papillion Branch | Papillion , NE | 68046 | $16.5M |
| South Omaha - 24th St Branch | Omaha , NE | 68107 | $4.3M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2000 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2000 | Structure Change | Acquired Charter West National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 3, 2008, OCC: Formal Agreement: Charter West National Bank
- Period: Most recent institution action October 3, 2008. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in NE, rank 37 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 2,609 applications, 1,836 loans originated, $465.6M originated, across 20 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $617K approved, $617K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows Charter West Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Charter West Bank with peers
Frequently asked about Charter West Bank
What are Charter West Bank's total assets?
As of the Q2 2026 filing, Charter West Bank reported total assets of $547.9 million in its FFIEC call report.
Where is Charter West Bank headquartered?
It is headquartered in West Point, NE, United States.
When was Charter West Bank founded?
It was established in 1985, per the FDIC institution directory.
Is Charter West Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Charter West Bank?
Charter West Bank's primary federal regulator is the Federal Reserve.
How many branches does Charter West Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Charter West Bank's Texas Ratio?
Its Texas Ratio is 2.09% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on Charter West Bank.
Get an email when Charter West Bank files its next call report, and benchmark it against any peer you choose.
Unlock Charter West Bank, freeFree account