Charter West Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from West Point, NE, Charter West Bank serves its local market as an FDIC-insured commercial bank. Charter West's Q2 2026 balance sheet shows $548M in assets funded primarily by $486M in customer deposits. The bank posts a strong 1.81% ROA and 20.50% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.27% exceeds the CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.26%. 8 branches make up the footprint.
As of June 30, 2026, Charter West Bank reported a Tier 1 leverage ratio of 9.27%, a return on assets of 1.81%, a nonperforming-loan ratio of 0.26%, a Texas ratio of 2.09%, per financial data filed with the FFIEC.
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
- Offices
- 8 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Charter West Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Charter West Bank, freeCharter West Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| 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% | 2.97% | 4.02% |
| Q4 2025 | 9.33% | 1.30% | 0.23% | 1.86% | 4.33% |
| Q3 2025 | 9.45% | 1.48% | 0.44% | 3.62% | 4.18% |
| Q2 2025 | 9.17% | 1.83% | 0.29% | 2.43% | 4.17% |
| Q1 2025 | 9.21% | 0.84% | 0.26% | 2.12% | 3.92% |
| Q4 2024 | 9.43% | 1.26% | 0.37% | 2.95% | 4.10% |
| Q3 2024 | 9.41% | 1.31% | 0.36% | 2.81% | 3.91% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| 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
What the public regulatory sources show for Charter West Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 161 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Charter West Bank headquartered?
Charter West Bank is headquartered in West Point, NE, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Charter West Bank founded?
Charter West Bank was established in 1985, per the FDIC institution directory.
Is Charter West Bank FDIC-insured?
Yes. Charter West Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Charter West Bank operate?
Charter West Bank operates 8 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?
Charter West Bank's Texas Ratio is 2.09% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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