CHARTER WEST BANK: how it compares with its peers
Against 47 NE banks with half to twice its assets, CHARTER WEST BANK's strongest measure in Q2 2026 is net interest margin (4.16% vs. a 3.81% peer median). Its weakest relative measure is assets per employee ($3.2M vs. $7.9M).
| Measure | CHARTER WEST BANK | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.54% | 1.34% | Middle third Ahead of 62% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.16% | 3.81% | Top third Ahead of 72% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.59% | 58.38% | Bottom third Ahead of 4% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.2M | $7.9M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.33% | 85.53% | Context |
What it means for lending operations
Its efficiency ratio of 77.59% is above the 58.38% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Nebraska Bank Dodge, NE · $552M
- Five Points Bank of Hastings Hastings, NE · $552M
- Homestead Bank Cozad, NE · $537M
- Home Federal Savings and Loan Association of Grand Island Grand Island, NE · $563M
- RVR Bank Fremont, NE · $570M
- Equitable Bank Grand Island, NE · $524M
Questions about CHARTER WEST BANK
How big is CHARTER WEST BANK?
CHARTER WEST BANK, established in 1985, is headquartered in West Point, NE. It reported $548M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is CHARTER WEST BANK's return on assets?
1.54% annualized in Q2 2026, against a 1.34% median for 47 NE banks with half to twice its assets, ahead of 62% of them.
What is CHARTER WEST BANK's efficiency ratio?
77.59% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 58.38%, and lower is better.
Is CHARTER WEST BANK growing its loans?
Net loans grew 5.6% over the year to Q2 2026, while deposits grew 10.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are NE banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Nebraska bank ranked.