The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 3 points (80 → 83), mostly because the earnings component improved by 17 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Iowa

Yes. Charter Bank is an FDIC-insured institution (FDIC certificate #34686). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 13.1% of deposits ($26.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.03%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Charter Bank lists 4 offices in 4 cities. Most locations:

• Ankeny, IA (1)
• Grimes, IA (1)
• Johnston, IA (1)
• Waukee, IA (1)

All branch addresses and map

In 2025, Charter Bank reported 52 home-loan applications under HMDA (LEI 549300W7PVYUJHBKTH05): 49 originated ($13,305,000 total), 1 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 2.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Charter Bank

Former names

Johnston Charter Bank

Type

State-chartered bank

FDIC certificate #

34686

RSSD ID

2705112

Primary regulator

FDIC

Holding company

Johnston Growth Corp

Established

June 15, 1998

Headquarters

5526 Nw 86th St, Johnston, IA 50131

Website

www.charterbanker.com

Employees

24