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Charter West Bank
West Point, NE · FDIC Certificate #26185 · Chartered 04/0
Total assets
$547.90M
Total deposits
$486.28M
Total equity
$49.24M
Net loans
$424.68M
Branches (offices)
6
Net income (YTD)
$4.08M
Rank: #1,675 of 4,213 U.S. banks by assets · #41 of 138 in Nebraska. Assets changed 7.6% and deposits 10.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.54% |
| Return on equity | 17.14% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 8.99% |
| Tier 1 leverage ratio | 9.27% |
| Uninsured deposits (share of deposits) | 42.2% |
| Noncurrent loans (share of loans) | 0.26% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 87.3% |
| Real estate loans (share of loans) | 73.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $311.93M | 73.5% | |
| Commercial & industrial | $45.20M | 10.6% | |
| Consumer / individual | $8.37M | 2.0% | |
| Construction & development | $34.28M | 8.1% | |
| Agricultural | $63.73M | 15.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $407.38M | $363.08M | $1.62M | $35.16M |
| Jun 2023 | $430.13M | $380.52M | $1.94M | $37.36M |
| Jun 2024 | $463.75M | $401.86M | $2.88M | $39.94M |
| Jun 2025 | $509.25M | $439.38M | $3.27M | $44.15M |
| Jun 2026 | $547.90M | $486.28M | $4.08M | $49.24M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Nebraska | $486.28M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $486.28M.
Similar-sized banks
Belgrade State Bank ($548.02M) · The Farmers Bank Of Willards ($547.65M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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