Charter West Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Charter West Bank of West Point, NE against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.81% | 1.34% | +0.47% | 79th top |
| ROAE | 20.50% | 13.32% | +7.18% | 88th top |
| Net Interest Margin | 4.17% | 3.93% | +0.24% | 63rd above |
| Efficiency Ratio | 75.02% | 61.12% | +13.90% | 20th bottom |
| PPNR / Avg Assets | 1.99% | 1.68% | +0.31% | 72nd above |
| Yield on Earning Assets | 6.68% | 5.67% | +1.01% | 91st top |
| Cost of Funds | 2.58% | 1.88% | +0.70% | 13th bottom |
| Net Interest Spread | 3.68% | 3.32% | +0.36% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.26% | 0.94% | -0.68% | 60th above |
| NPA / Total Assets | 0.21% | 0.70% | -0.49% | 59th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.04% | 0.16% | -0.12% | 27th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 472.57% | 1546.74% | -1074.17% | 70th above |
| Texas Ratio | 2.09% | 7.34% | -5.25% | 62nd above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 862.50% | 1395.30% | -532.80% | 79th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.27% | 12.14% | -2.87% | 17th bottom |
| Equity / Assets | 8.99% | 11.37% | -2.38% | 27th below |
| TCE / Tangible Assets | 8.89% | 11.08% | -2.19% | 29th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.43% | 80.66% | +7.77% | 32nd below |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 87.39% | 86.85% | +0.54% | 40th below |
| Wholesale Funding Ratio | 0.93% | 5.04% | -4.11% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.59% | 6.84% | +0.75% | 73rd above |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.72% | 7.92% | -2.20% | 52nd above |
| Deposit Growth (Y/Y) | 10.67% | 6.29% | +4.38% | 85th top |
See Charter West Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Charter West Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Charter West Bank profile, how to read a UBPR, or how this data updates.