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Charter Bank

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

Corpus Christi, TX

4 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +2.8% year over year ($265.2M on the books).
  • Delinquency rate 2.83%.
  • Return on assets 2.29%.
  • Efficiency ratio 48.68% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Charter Bank has 3 strengths but faces 2 concerns

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
  • + Return on Assets 0.96% above tier average
  • + Efficiency Ratio 15.80% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 63.5% in tier
  • - Delinquency Rate 1.91% above tier average
Get updates when Charter Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $292.3M
-3.8% YoY -0.1% QoQ
-$94.2M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
44%
Total Loans ? $164.1M
-9.1% YoY -4.9% QoQ
-$94.2M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
39%
Total Deposits ? $265.2M
+2.8% YoY -0.3% QoQ
-$61.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
48%
Return on Assets ? 2.29%
-14.6% YoY -5.0% QoQ
+0.96% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 7.3% in tier
Net Interest Margin ? 5.56%
+1.2% YoY -1.1% QoQ
+1.58% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 2.7% in tier
Efficiency Ratio ? 48.68%
-11.8% YoY +22.9% QoQ
-15.80% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 14.3% in tier
Delinquency Rate ? 2.83%
+388.4% YoY +51.2% QoQ
+1.91% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Bottom 7.0% in tier
Loan-to-Deposit Ratio ? 61.88%
-11.6% YoY -4.7% QoQ
-16.07% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 46.95%
+3.0% YoY +6.9% QoQ
+24.92% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 2.2% in tier
Nonperforming Asset Ratio ? 1.59%
+361.4% YoY +43.9% QoQ
+0.92% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Bottom 10.9% in tier
Tier 1 Capital Ratio ? 17.52%
+8.7% YoY +3.2% QoQ
+1.61% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
79%
Non-Interest Income / Assets ? 0.31%
-8.1% YoY +96.4% QoQ
-0.26% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
74%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 47.0%
+1.4pp YoY
+3.0pp QoQ
 +24.8pp 22.1% 29.2% 22.2% 98%
Brokered Deposits n/a n/a 7.9% 8.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 19.2%
+2.4pp YoY
-0.2pp QoQ
 +7.7pp 11.6% 14.8% 12.5% 87%
CRE 65.2%
-1.6pp YoY
+1.0pp QoQ
 +25.7pp 39.5% 48.4% 41.4% 90%
1-4 Family 10.3%
-1.8pp YoY
-1.5pp QoQ
 -22.4pp 32.6% 25.8% 31.3% 11%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -3.8pp 4.1% 4.7% 5.0% 11%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 17.5%
+1.4pp YoY
+0.5pp QoQ
 -1.3pp 18.8% 22.7% 19.7% 67%
Leverage Ratio 11.3%
+0.3pp YoY
+0.1pp QoQ
 -0.9pp 12.2% 12.6% 12.6% 55%
Total Capital Ratio 18.8%
+1.4pp YoY
+0.5pp QoQ
 -1.2pp 19.9% 23.8% 20.8% 67%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 50
-2 (-3.8%) YoY
-2 (-3.8%) QoQ
 -9 58 186 482 53%
Assets per Employee ($) $5.8M
+0.1% YoY
+3.9% QoQ
 -$1.7M $7.5M $10.1M $8.8M 30%
Branch Count 4
0 YoY
0 QoQ
 -1 4 12 18 42%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.3%
0.0pp YoY
-0.5pp QoQ
 0.0pp 0.3% 0.3% 0.4% 74%
Nonaccrual 2.5%
+2.3pp YoY
+1.5pp QoQ
 +1.6pp 0.9% 1.0% 1.0% 92%
Allowance Coverage 0.73x
-70.4% YoY
-27.9% QoQ
 -23.42x 24.15x 18.82x 20.23x 18%
Net Charge-off Rate (YTD) 0.4%
+0.4pp YoY
-0.1pp QoQ
 +0.2pp 0.1% 0.1% 0.2% 91%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 28.3%
-11.2pp YoY
-2.0pp QoQ
 +16.1pp 12.2% 13.2% 11.6% 98%
Cost of Funds (YTD) 1.3%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.6% 1.7% 25%
Net Income ($, YTD) $3.3M
-16.6% YoY
— QoQ
 +$780K $2.6M $15.9M $40.4M 74%

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 (1)

Deposit Franchise

growth
#6 of 278 • 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: 46.95%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.56%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ

Concerns (1)

Margin Compression

decline
#196 of 307 • Bottom 63.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.29%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

59
Non-Interest-Bearing Deposit Share
funding
Value: 46.95%
Peer Median: 22.03%
#59 of 2643 Top 2.2% in $100M-$1B
72
Net Interest Margin
profitability
Value: 5.56%
Peer Median: 3.99%
#72 of 2643 Top 2.7% in $100M-$1B
195
Return on Assets
profitability
Value: 2.29%
Peer Median: 1.32%
#195 of 2643 Top 7.3% in $100M-$1B
379
Efficiency Ratio
profitability
Value: 48.68%
Peer Median: 64.48%
#379 of 2643 Top 14.3% in $100M-$1B
515
Loan-to-Deposit Ratio
liquidity
Value: 61.88%
Peer Median: 77.95%
#515 of 2643 Top 19.4% in $100M-$1B
552
Tier 1 Capital Ratio
capital
Value: 17.52%
Peer Median: 15.91%
#552 of 2643 Top 20.8% in $100M-$1B

Top Weaknesses (2 metrics)

2451
Delinquency Rate
credit_quality
Value: 2.83%
Peer Median: 0.92%
#2451 of 2633 Bottom 7.0% in $100M-$1B
2356
Nonperforming Asset Ratio
credit_quality
Value: 1.59%
Peer Median: 0.67%
#2356 of 2643 Bottom 10.9% in $100M-$1B
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