# CHARTER PRIVATE BANK
BELLEVUE, WA · FDIC certificate 34623 · asset band $300M-1B · latest filing 2011-03 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $348.6M | |
| Deposits | $260.5M | |
| Loans and leases | $205.7M | |
| Total equity | $37.1M | |
| Loans / deposits | 76.48% (p45 of band) | 78.23% |
| Liquid assets / assets | 36.75% (p74 of band) | |
| Uninsured deposits / deposits | 18.61% (p78 of band) | 11.67% |
| Brokered deposits | 1.31% | |
| Wholesale funding | 14.22% (p73 of band) | |
| FHLB advances / assets | 12.91% | |
| Tier 1 leverage | 9.82% (p63 of band) | 9.23% |
| Unrealized securities loss / equity | -3.33% (p11 of band) | 0.92% |
| AOCI / equity | 0.44% (p70 of band) | |
| ROA (annualized) | 0.52% (p41 of band) | 0.63% |
| Net interest margin | 3.46% (p36 of band) | 3.68% |
| Efficiency ratio | 96.29% (p91 of band) | |
| Noncurrent loans | 5.06% (p78 of band) | 2.23% |
| Net charge-offs (annualized) | -0.01% (p8 of band) | |
| Reserve coverage of noncurrent | 62.24% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 38.86% (p47 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | – | |
| Employees | 63 | |

## Flags firing in the latest filing

- **expense ratio p90** (`earn_efficiency`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | expense ratio p90, reserve under noncurrent |  |

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

- 2025-10-23 [Keller joins Numerica as chief financial officer - CUInsight](https://news.google.com/rss/articles/CBMikwFBVV95cUxPaUllS0g4eXJCU3dJZmRaYXJhZHhrdHFHRWxiZE5FczE1QlJOYW9BR2EtVHZVZW9uQjEzWTA4eHkzcVpYZVQ1UG85ZE9Yc1BCb3ljX241QngzcXcwYjJQdDVINWh0a2U1X1czWnhmYmxZLU55blFRLXYzaWJXSW5BLWVkNkxmOXNURWVWTVZXbTlVa3M?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34623 (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/63.json (key "34623", 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.

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