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Charter West Bank

West Point, NE · Cert 26185 · Nationwide Bankshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$547.9MAssets
$430.0MLoans
$486.3MDeposits
$49.2MEquity
Loan mix
85%RE $296.7M12%C&I $43.6M3%Consumer $9.0MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $428.7M12%Noninterest $57.6MQ2 2025Q2 2026

NIM

6.30%Q2 ’246.35%Q2 ’256.19%Q2 ’26+2%+0%

Non-interest income vs. expense

5.41%Q2 ’245.59%Q2 ’256.01%Q2 ’26+3%+1%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 0.2% share · #52 of 77 inst. · $0.1B of $42.7B

59.2% Thurston
21.2% Cuming
0.2% Douglas
0.5% Sarpy

Executive Summary

  • Earnings: ROA of 1.46%, unchanged from a year ago; NIM at 3.87%.
  • Asset quality: problem loans at 0.26% of loans (-3 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 9.27%, up 9 bps from a year ago.
  • Funding: loans stand at 88.43% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.46%0 bps YoY

Net Interest Margin (quarter, annualized)

3.87%0 bps YoY

Efficiency Ratio (quarter, annualized)

75.11%+154 bps YoY

Tier 1 Leverage Ratio

9.27%+9 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.46%1.16%1.05%1.00%1.46%0 bps
Return on Equity16.95%13.20%11.60%11.13%16.42%-53 bps
Net Interest Margin3.86%3.88%4.02%3.73%3.87%0 bps
Efficiency Ratio73.56%77.65%79.75%80.49%75.11%+154 bps
Non-Interest Burden1.85%2.28%2.56%2.32%1.87%+2 bps
Growth
Asset Growth (YoY)9.81%9.65%8.62%9.82%7.59%-222 bps
Loan Growth (YoY)10.56%14.53%11.90%11.32%5.72%-484 bps
Deposit Growth (YoY)9.34%9.16%8.65%9.84%10.67%+134 bps
Asset Quality
Nonperforming Loans / Loans0.29%0.44%0.23%0.36%0.26%-3 bps
Net Charge-Offs / Loans0.10%0.01%-0.01%-0.01%0.04%-5 bps
Allowance / Loans1.17%1.18%1.22%1.24%1.24%+7 bps
Allowance Coverage of NPLs4.1x2.7x5.3x3.4x4.7x+0.7x
Capital
Tier 1 Leverage Ratio9.17%9.45%9.33%9.26%9.27%+9 bps
Total Risk-Based Capital9.17%9.45%9.33%9.26%9.27%+9 bps
Equity / Assets8.67%8.96%9.22%8.78%8.99%+32 bps
Liquidity & Funding
Loans / Deposits92.58%93.31%92.08%88.56%88.43%-415 bps
Liquid Assets / Assets7.49%7.42%6.34%9.25%9.75%+225 bps
CRE / Total Capitaln/a243%254%249%n/an/a