Charter West Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 5.56 percentage points lower than in Q1 2026, at 124.86%. Within Nebraska, Charter West Bank is 59th of 138 on loan-to-deposit ratio, 88.43% as of Q2 2026, above the middle of the field. Charter West Bank reported 88.43% on loan-to-deposit ratio for Q2 2026, 7.49 points above the 80.94% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $430.0M |
| Net loans and leases | $424.7M |
| Loans held for sale | $28.3M |
| Loans to total assets | 78.48% |
| Loan-to-deposit ratio | 88.43% |
| Net loans to equity capital | 8.62% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 17.72% |
| Multifamily (5+ residential) | 3.27% |
| Commercial and industrial | 10.51% |
| Consumer | 1.95% |
| Credit cards | 0.00% |
| Farm | 10.67% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 124.86% |
| Construction concentration (Tier 1 capital + allowance) | 61.71% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.29% |
| Interest income on loans | $7.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $339.6M | $381.8M | 16.33% | 12.52% | 2.94% |
| Q4 2023 | $345.6M | $382.3M | 15.77% | 12.22% | 2.90% |
| Q1 2024 | $343.9M | $397.6M | 17.09% | 11.59% | 2.88% |
| Q2 2024 | $367.9M | $401.9M | 15.76% | 11.60% | 2.75% |
| Q3 2024 | $360.7M | $405.6M | 16.12% | 11.39% | 2.80% |
| Q4 2024 | $370.3M | $414.2M | 17.62% | 11.15% | 2.69% |
| Q1 2025 | $376.2M | $430.5M | 17.15% | 10.44% | 2.48% |
| Q2 2025 | $406.8M | $439.4M | 16.25% | 9.84% | 2.21% |
| Q3 2025 | $413.1M | $442.8M | 15.75% | 10.41% | 2.18% |
| Q4 2025 | $414.4M | $450.0M | 17.43% | 9.96% | 2.12% |
| Q1 2026 | $418.9M | $472.9M | 16.66% | 10.41% | 2.15% |
| Q2 2026 | $430.0M | $486.3M | 17.72% | 10.51% | 1.95% |
Charter West Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Charter West Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Charter West Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26185) · FFIEC NIC profile (RSSD 582953)