BlastPoint's Banking Scorecard
CHARTER WEST BANK
Community
Specialty: Agricultural
NE
FDIC cert 26185
West Point, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
CHARTER WEST BANK has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 14% in Community
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 56% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$508.2M
+8.6% YoY
-1.6% QoQ
|
-$883.3M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$409.3M
+11.9% YoY
+0.3% QoQ
|
-$566.1M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$450.0M
+8.6% YoY
+1.6% QoQ
|
-$714.6M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.37%
+7.0% YoY
-1.1% QoQ
|
+0.20% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
4.23%
+6.3% YoY
+2.0% QoQ
|
+0.57% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
78.63%
-0.2% YoY
+0.5% QoQ
|
+16.00% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.23%
-37.2% YoY
-48.3% QoQ
|
-0.40% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
90.96%
+3.0% YoY
-1.3% QoQ
|
+7.90% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
15.07%
-15.7% YoY
-11.7% QoQ
|
-5.97% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.19%
-35.2% YoY
-47.2% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
67% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
3.13%
+11.7% YoY
+36.4% QoQ
|
+2.39% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#51 of 371 · Top 14% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
3.13%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.37%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (1)
NIB Deposit Bleed
decline
#50 of 89 · Bottom 56% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
15.07%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Non-Interest Income / Assets
Current: 3.13% · Tier avg: 0.74%
79
79th pctile
Net Interest Margin
Current: 4.23% · Tier avg: 3.66%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
67
67th pctile
Loan-to-Deposit Ratio
Current: 90.96% · Tier avg: 83.06%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.07% · Tier avg: 21.05%
16
16th pctile
Total Loans
Current: $409.3M · Tier avg: $975.5M
12
12th pctile
Efficiency Ratio
Current: 78.63% · Tier avg: 62.63%
5
5th pctile
Total Deposits
Current: $450.0M · Tier avg: $1.2B
1
1th pctile
Total Assets
Current: $508.2M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $508.2M · Tier avg: $1.4B
5
5th pctile
Total Deposits
Current: $450.0M · Tier avg: $1.2B
12
12th pctile
Efficiency Ratio
Current: 78.63% · Tier avg: 62.63%
16
16th pctile
Total Loans
Current: $409.3M · Tier avg: $975.5M
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.07% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
67
67th pctile
Return on Assets
Current: 1.37% · Tier avg: 1.16%
67
67th pctile
Loan-to-Deposit Ratio
Current: 90.96% · Tier avg: 83.06%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
79
79th pctile
Net Interest Margin
Current: 4.23% · Tier avg: 3.66%
98
98th pctile
Non-Interest Income / Assets
Current: 3.13% · Tier avg: 0.74%