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Charter Bank

Johnston, IA · Cert 34686 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Johnston Growth Corp.

State charter, non-member · FDIC · 4 branches

Q2 2026

$227.5MAssets
$166.1MLoans
$203.5MDeposits
$23.4MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 6 of 18).
  • Widest gap: total risk-based capital ratio trails 84% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 16 of 19).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.42%

Rank 5 of 19

Net Interest Margin

3.43%

Rank 12 of 19

Efficiency Ratio

49.93%

Rank 4 of 19

Equity / Assets

10.30%

Rank 7 of 19

Non-interest income vs. expense

$0.9M$4.3MINCOMEEXPENSE
Unfavorable gap of $3.5M · efficiency ratio beats 84% of banks under $1B in assets in the Des Moines-West Des Moines, IA area
Bank 49.93%Peer median 57.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.42%1.05%1.15%1.42%Beats 74%5 / 19
Return on Equity13.79%10.97%12.15%13.79%Beats 74%5 / 19
Net Interest Margin3.43%3.08%3.50%3.67%Beats 37%12 / 19
Efficiency Ratio49.93%52.38%57.82%63.73%Beats 84%4 / 19
Asset Quality
Nonperforming Loans / Loans0.00%n/a0.21%0.91%Beats 100%6 / 18
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%Beats 72%6 / 18
Capital
Tier 1 Capital Ratio11.03%10.79%12.38%16.13%Beats 32%13 / 19
Total Risk-Based Capital Ratio11.03%11.60%13.40%17.04%Beats 16%16 / 19
Equity / Assets10.30%8.64%9.66%11.07%Beats 63%7 / 19
Liquidity & Funding
Loans / Deposits81.65%65.91%76.09%88.00%63rd pctl7 / 19
Loans / Assets73.01%57.37%63.36%76.16%68th pctl6 / 19
Brokered Deposits / Depositsn/aNot reported for this institution