Charter West Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 130.99 percentage points in Q2 2026, from 341.58% to 472.57%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Charter West Bank is 33rd of 138 on return on assets, 1.81% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Charter West Bank sits 0.56 points higher, at 1.81% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.27% |
| Equity capital to assets | 8.99% |
| Tangible equity to tangible assets | 8.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.26% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 2.09% |
| Allowance for credit losses to loans | 1.24% |
| Reserve coverage of non-performing loans | 472.57% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.81% |
| Return on equity | 20.50% |
| Net interest margin | 4.17% |
| Efficiency ratio | 75.02% |
| Yield on earning assets | 6.68% |
| Cost of funds | 2.58% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.43% |
| Core deposits to total deposits | 87.39% |
| Brokered deposits to total deposits | 4.35% |
| Deposits to assets | 88.75% |
| Securities to assets | 5.48% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.72% | 1.38% | 4.14% | 0.16% | 0.00% |
| Q4 2023 | 9.17% | 1.26% | 4.05% | 0.22% | -0.00% |
| Q1 2024 | 9.28% | 0.71% | 3.80% | 0.51% | 0.09% |
| Q2 2024 | 9.41% | 1.87% | 4.04% | 0.41% | 0.02% |
| Q3 2024 | 9.41% | 1.31% | 3.91% | 0.36% | 0.01% |
| Q4 2024 | 9.43% | 1.26% | 4.10% | 0.37% | 0.00% |
| Q1 2025 | 9.21% | 0.84% | 3.92% | 0.26% | 0.02% |
| Q2 2025 | 9.17% | 1.83% | 4.17% | 0.29% | 0.10% |
| Q3 2025 | 9.45% | 1.48% | 4.18% | 0.44% | 0.01% |
| Q4 2025 | 9.33% | 1.30% | 4.33% | 0.23% | -0.01% |
| Q1 2026 | 9.26% | 1.26% | 4.02% | 0.36% | -0.01% |
| Q2 2026 | 9.27% | 1.81% | 4.17% | 0.26% | 0.04% |
Charter West Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Charter West Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)