BlastPoint's Banking Scorecard

Charter Bank

$100M-$1B Specialty: Commercial TX FDIC cert 18660

Corpus Christi, TX

4 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Charter Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 1.8% in tier
+ Revenue Diversifier: Top 37.5% in tier
+ Return on Assets 1.14% above tier average
+ Efficiency Ratio 25.66% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.99% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$292.7M +0.2% YoY +0.9% QoQ	-$93.3M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$172.6M -3.6% YoY +1.7% QoQ	-$83.1M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$265.9M +6.4% YoY +1.3% QoQ	-$62.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	2.41% -5.8% YoY -12.1% QoQ	+1.14%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 5.6% in tier
Net Interest Margin ?	5.62% +2.4% YoY +0.9% QoQ	+1.69%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	Top 2.4% in tier
Efficiency Ratio ?	39.62% -30.9% YoY -27.4% QoQ	-25.66%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 3.8% in tier
Delinquency Rate ?	1.87% +487.9% YoY +6.7% QoQ	+0.99%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	Bottom 13.8% in tier
Loan-to-Deposit Ratio ?	64.92% -9.4% YoY +0.4% QoQ	-11.72%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	43.92% +2.5% YoY +2.2% QoQ	+21.90%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	Top 3.1% in tier
Nonperforming Asset Ratio ?	1.11% +465.6% YoY +2.7% QoQ	+0.47%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	17%
Tier 1 Capital Ratio ?	16.98% +4.5% YoY +0.1% QoQ	+1.15%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.16% -9.9% YoY -77.3% QoQ	-0.12%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	76%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Deposit Franchise

growth

#6 of 272 • Top 1.8% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 43.92%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.62%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ

Revenue Diversifier

growth

#251 of 666 • Top 37.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.16%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.41%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

Net Interest Margin

profitability

Value: 5.62%

Peer Median: 3.93%

#64 of 2664 Top 2.4% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 43.92%

Peer Median: 22.02%

#84 of 2664 Top 3.1% in $100M-$1B

103

Efficiency Ratio

profitability

Value: 39.62%

Peer Median: 65.29%

#103 of 2664 Top 3.8% in $100M-$1B

151

Return on Assets

profitability

Value: 2.41%

Peer Median: 1.27%

#151 of 2664 Top 5.6% in $100M-$1B

617

Tier 1 Capital Ratio

capital

Value: 16.98%

Peer Median: 15.83%

#617 of 2664 Top 23.1% in $100M-$1B

639

Non-Interest Income / Assets

revenue_mix

Value: 0.16%

Peer Median: 0.28%

#639 of 2664 Top 23.9% in $100M-$1B

663

Loan-to-Deposit Ratio

liquidity

Value: 64.92%

Peer Median: 76.64%

#663 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (2 metrics)

2289

Delinquency Rate

credit_quality

Value: 1.87%

Peer Median: 0.89%

#2289 of 2654 Bottom 13.8% in $100M-$1B

2201

Nonperforming Asset Ratio

credit_quality

Value: 1.11%

Peer Median: 0.64%

#2201 of 2664 Bottom 17.4% in $100M-$1B