TellerScore

Charter West Bank (FDIC certificate #26185) is based in West Point, Nebraska. Its Q2 2026 call report shows $547.9M in total assets and $486.3M in deposits and 8 offices.

Based on its Q2 2026 filing, Charter West Bank scores 68/100, which we describe as moderate. That is higher than only 37% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 101st. Its strongest component is problem-loan coverage (96/100; 2.1%), and its lowest is funding & liquidity (43/100; 87% loans-to-deposits, 42% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Tier 1 leverage ratio: 9.27%
Loan quality91/100
Noncurrent loans ÷ total loans: 0.26%
Earnings82/100
Return on assets (annualized): 1.54%
Funding & liquidity43/100
Loans ÷ deposits and uninsured-deposit share: 87.3% · 42.2% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.06%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (66 → 68), mostly because the earnings component improved by 8 points.

TellerScore
626568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202465
Q3 202466
Q4 202465
Q1 202562
Q2 202566
Q3 202565
Q4 202567
Q1 202665
Q2 202668
Tier 1 leverage ratio
5.00%7.23%9.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20249.41%
Q3 20249.41%
Q4 20249.43%
Q1 20259.21%
Q2 20259.17%
Q3 20259.45%
Q4 20259.33%
Q1 20269.26%
Q2 20269.27%
Noncurrent loans
0.23%0.34%0.44%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.41%
Q3 20240.35%
Q4 20240.36%
Q1 20250.26%
Q2 20250.29%
Q3 20250.44%
Q4 20250.23%
Q1 20260.36%
Q2 20260.26%
Return on assets
0.83%1.19%1.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.27%
Q3 20241.28%
Q4 20241.28%
Q1 20250.83%
Q2 20251.34%
Q3 20251.38%
Q4 20251.37%
Q1 20261.25%
Q2 20261.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$547.9M9.27%0.26%1.54%87.3%
Q1 202665$531.5M9.26%0.36%1.25%87.5%
Q4 202567$508.2M9.33%0.23%1.37%91.0%
Q3 202565$516.7M9.45%0.44%1.38%92.2%
Q2 202566$509.3M9.17%0.29%1.34%91.5%
Q1 202562$484.0M9.21%0.26%0.83%86.3%
Q4 202465$467.8M9.43%0.36%1.28%88.3%
Q3 202466$471.2M9.41%0.35%1.28%87.8%
Q2 202465$463.7M9.41%0.41%1.27%90.4%

2,650 peers · $100 million – $1 billion

How it compares with peers

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

Capital ratio9.27%
17th
Total risk-based capital0.00%
24th
Problem loans0.26%
60th
Net charge-offs0.02%
40th
Return on assets1.54%
68th
Net interest margin4.16%
63rd
Efficiency ratio77.6%
17th
Loans to deposits87.3%
32nd
Uninsured deposits42.2%
8th
Loan-loss reserves1.24%
55th
Texas ratio2.1%
57th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Nebraska BankBank Dodge, NE73 out of 100, Strong$551.6M11.4%0.43%vs
Five Points Bank of HastingsBank Hastings, NE72 out of 100, Strong$551.7M10.9%0.11%vs
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE80 out of 100, Strong$562.9M13.4%0.19%vs
RVR BankBank Fremont, NE78 out of 100, Strong$570.2M9.8%0.16%vs
Equitable BankBank Grand Island, NE72 out of 100, Strong$523.5M10.4%0.01%vs

Deposit insurance

Is my money safe at Charter West Bank?

Yes. Charter West Bank is an FDIC-insured institution (FDIC certificate #26185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 42.2% of deposits ($205.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.27%, 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

8 locations

Branches

Charter West Bank lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Charter West Bank reported 2,585 home-loan applications under HMDA (LEI 549300GG5XNEIGHQTG04): 1,836 originated ($465,600,000 total), 173 denied, and 572 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.6%, 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.

Identity & history

Profile

Legal name
Charter West Bank
Former names
Charter West National Bank; Charter West National Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
26185
RSSD ID
582953
Primary regulator
FED
Holding company
Nationwide Bankshares Inc
Established
April 1, 1985
Headquarters
201 S Main St, West Point, NE 68788
Employees
172

Quick answers

Charter West Bank: common questions

Is Charter West Bank FDIC insured?

Yes. Charter West Bank is an FDIC-insured institution (FDIC certificate #26185). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Charter West Bank's TellerScore?

68 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Charter West Bank ever failed?

There is no failure record for FDIC certificate #26185 in the FDIC failed bank list.

How many branches does Charter West Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near West Point

InstitutionScoreAssetsCapitalProblem loansCompare
Scribner BankBank Scribner, NE96 out of 100, Very strong$86.9M16.6%0.04%vs
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
BankFirstBank Norfolk, NE85 out of 100, Very strong$1.2B15.3%0.84%vs
F&M BankBank West Point, NE83 out of 100, Strong$354.6M11.8%0.07%vs
Battle Creek State BankBank Battle Creek, NE81 out of 100, Strong$71.0M14.4%0.00%vs