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Charter Bank
Johnston, IA · FDIC Certificate #34686 · Chartered 06/1
Total assets
$227.54M
Total deposits
$203.46M
Total equity
$23.45M
Net loans
$164.46M
Branches (offices)
4
Net income (YTD)
$1.98M
Rank: #2,826 of 4,213 U.S. banks by assets · #128 of 225 in Iowa. Assets changed 5.9% and deposits 8.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.75% |
| Return on equity | 17.37% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 10.30% |
| Tier 1 leverage ratio | 11.03% |
| Uninsured deposits (share of deposits) | 13.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 80.8% |
| Real estate loans (share of loans) | 82.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $134.81M | 82.0% | |
| Commercial & industrial | $22.16M | 13.5% | |
| Consumer / individual | $5.70M | 3.5% | |
| Construction & development | $4.29M | 2.6% | |
| Agricultural | $3.47M | 2.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $216.15M | $198.56M | $1.22M | $17.30M |
| Jun 2023 | $209.01M | $177.44M | $1.11M | $18.12M |
| Jun 2024 | $210.64M | $180.07M | $1.13M | $19.86M |
| Jun 2025 | $214.91M | $188.12M | $1.40M | $21.25M |
| Jun 2026 | $227.54M | $203.46M | $1.98M | $23.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $203.46M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $203.46M.
Similar-sized banks
Embassy National Bank ($227.87M) · The Stockgrowers State Bank Of Ashland, Kansas ($227.15M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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