# CHARTER WEST BANK
WEST POINT, NE · FDIC certificate 26185 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $547.9M | |
| Deposits | $486.3M | |
| Loans and leases | $430.0M | |
| Total equity | $49.2M | |
| Loans / deposits | 87.33% (p65 of band) | 82.04% |
| Liquid assets / assets | 15.97% (p19 of band) | |
| Uninsured deposits / deposits | 42.20% (p90 of band) | 25.97% |
| Brokered deposits | 3.86% | |
| Wholesale funding | 4.79% (p57 of band) | |
| FHLB advances / assets | 0.91% | |
| Tier 1 leverage | 9.27% (p18 of band) | 10.81% |
| Unrealized securities loss / equity | -3.67% (p69 of band) | -8.10% |
| AOCI / equity | 0.00% (p80 of band) | |
| ROA (annualized) | 1.54% (p67 of band) | 1.28% |
| Net interest margin | 4.16% (p64 of band) | 3.91% |
| Efficiency ratio | 77.59% (p86 of band) | |
| Noncurrent loans | 0.26% (p39 of band) | 0.43% |
| Net charge-offs (annualized) | 0.02% (p60 of band) | |
| Reserve coverage of noncurrent | 473.82% | |
| Real estate % of loans | 73% | |
| Construction % of loans | 69.61% (p71 of band) | |
| Auto loans | $6.7M (1.55% of loans; DQ 2.86%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.7% | |
| Employees | 172 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 0 |  | reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 1 | capital falling |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 1 | brokered >10% |  |
| 2015-09 | 2 | wholesale funding >15% |  |
| 2015-12 | 1 |  | brokered >10% |
| 2016-03 | 0 |  | wholesale funding >15% |
| 2016-06 | 1 | brokered >10% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | wholesale funding >15% |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 1 |  | wholesale funding >15% |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | brokered >10% |
| 2018-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2018-06 | 0 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | expense ratio p90 |  |
| 2020-06 | 0 |  | expense ratio p90 |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | expense ratio p90 |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 | capital falling | charge-offs p90 |
| 2023-06 | 0 |  | expense ratio p90, capital falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | capital falling |  |
| 2025-09 | 0 |  | capital falling |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-02-20 [Banks caught up in massive bank fraud begin to show temporary losses - Nebraska Examiner](https://news.google.com/rss/articles/CBMirgFBVV95cUxOR3M0NlV1Y1dPQVIxR0hXMk1aX2t1ME5qR1VXcFRmN3YxMWEwdjJnN1lsUF8xdWtFMXBZVzNfOGY0U3VVVEpyWUs3TkdiT0NlaHJiLTNsMzNmXzRmSTZhLXlETFMtSkFqUGFqUG1jVEc1dFdycVJhODE4d2hJRnkwcDZublVZX2RGSS1NU0dkam50b3NfbWdXVGpKazlrSi1WRmNOZWRfRlRBaDU5Zmc?oc=5) · Nebraska Examiner
- 2022-12-12 [Iowa bank’s lawsuit claims financial statements were fabricated as part of loan scheme - iowacapitaldispatch.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQZEJCRjdnVlZ6eG1RY0Q1QTRRRC1UZ2tLYmg5Vm1YaTFLdko5YWg0WnVRRWZFM1hCRFB6dlFadlpNLWNycjk2RVBCYmlzeU9UblBkcmZtdWFKSmFDbmg5QlhiMF9fSTBjbGRSdzJxZXlUYnM1T2VmNXB2SUt0UUZjZGVQTkJMQndJaVpiNU1JVjdYQWpENll6eVZRNU5fd1NwNWlXS2hja0M1X1l2dW1ReHlaZ3d4UXpKUHNkYVNDdlJzbEI5MnZPWg?oc=5) · iowacapitaldispatch.com
- 2023-10-19 [Banks caught up in massive bank fraud begin to show temporary losses - Nebraska Public Media](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQYzFvRHcxZ1B0aXpRT2U4eHhtbUdVZVFmUHJPM2QxR1dZV2NTc3p4ZW5xSGlvMDEteGtwTkc1WWh3bVpRdHRULWFvbGVBUFdiYVdsQzBuMFBuNUh6aExMXzFSUHFNamJtZlJuS2VicjMyaDJTVERWYUZJWUptdGR4MHBHQ3l1azBieTBIUUFNSUtOUnNuLWdLTm9fTjR5djU5ZUtwQzhfX3VaWnEwYkozUUZQVEhETERuZEJmZ3c1R04?oc=5) · Nebraska Public Media
- 2026-01-09 [Financial adviser who help swindle banks ordered to pay $37 million in restitution - Nebraska Examiner](https://news.google.com/rss/articles/CBMivwFBVV95cUxONEpqYVZCTFB6emZXUjBDS3p6UWlTaW1JazVyVjVfek9VVFBwNU1leGhFeW5TbGZQWnJ2NV9zLTBfc3FwVllOT250Vm5Jc2Q4QTVBcTFnc2QyQ0h2dXJpX1kzaG9nMFo5Rm8wSGJzT3V6bjgxSmluNF9uUWtneDZqT2VPOEVFMHpqdWR2NlFaVnNRZmtNSnYxVDlJMm5WSW9JaU5XN3VNaTFzRndlLVRiNzYxX1BheTQyU1JuXzAybw?oc=5) · Nebraska Examiner
- 2026-04-02 [Laureate Academy charter school buys its West Bank campus, giving it room to grow - NOLA.com](https://news.google.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?oc=5) · NOLA.com
- 2023-11-30 [Topeka bank presents $500K as part of Native American housing initiative - WIBW](https://news.google.com/rss/articles/CBMinwFBVV95cUxPWkI3Qkt4aWpvdFpBamRSN0FGOFRNRmg1N2dpdUF5NHNERUlwNERMWmFNVDFMU0k2V0tVRDlRbnRha05nY1dMRTBWWHkxVVhObllDcHRVb2VzXzZJZXU4R3dWWFJzYzlVejlMVlBvd2JUMzhLOEl3bWRKTV8xSzVvUTc4V1FtZjlwdmNqbzN6OHdzV0QwN3gxbi15M183UkXSAbMBQVVfeXFMUG9TX2M4U1BNWk9FZldlWUx5T3RnTHRXR1dwQ1Z1TGdFa1pPNEl5Wkt3V2M0RTAzdkFuWGtQX3VIZVBqejNFQk41RTdUa0FoZk55QWJoRGJNQkNwTVZDQ0E5X3p1bWZ0SUg1MEpWcGhtZ0ttUFNFUGlYU0FPV2VSMlBLaWdOWnFBLVpVN0xtWnhIbGlfMUNHcFpXOUtBd2tTa3FWQTZhR2I3VW9pWGIweVowSXM?oc=5) · WIBW
- 2010-06-11 [Rev. Mr. Don L. French Obituary Jun 11, 2010 - Meyer Brothers Funeral Homes](https://news.google.com/rss/articles/CBMibkFVX3lxTE1nUDI1NGEtcjhnS0RhWUxWa09kbm1OdFZMTmRZUlFrWTVVb0dXdzdtSHpFNFl0QVV1dldrR1g3cm8wVmtvZkZKcTJuUkt2NmdPbTBORWREcGx4eEl0XzZhXzROck5lcE1FbDBpa2NB?oc=5) · Meyer Brothers Funeral Homes
- 2022-12-12 [Iowa bank’s lawsuit claims financial statements were fabricated as part of $44M loan scam - Nebraska Examiner](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbTBtSFdzNGJKUExUODBzaUx1NFJKM1lsSGRZcDFGQXNYWWowSlMwWXkydUxXRVd3cFVlYk42R3BiSVBGa2dlTEJBbmNtT0U2TUJ1UjhyMzFGeG9JdmEtNS1DVU1fSE5Ma0U5UGhXX2hObDBzV1hPX0xPQ0pndXFTR0ZDNWZMZE1rMVV6SC1uT2NCVkpmQVRrV0Q0UHJDNUxVaVFRODk1Q2FXU3R5OC1qdHJlU1E2dTBfYVlBcGVHZjdELXVY?oc=5) · Nebraska Examiner

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26185 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "26185", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide