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Charter Bank

Corpus Christi, TX · Cert 18660 · Charter Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

50

Q2 2024Q2 2026peer median (50)

Asset Quality

8

Q2 2024Q2 2026peer median (50)

Profitability

91

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Charter Bank

Corpus Christi, TX · Cert 18660 · Charter Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$292.3MAssets
$167.5MLoans
$265.2MDeposits
$24.3MEquity
Loan mix
79%RE $131.5M20%C&I $33.5M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
53%Interest-bearing $140.7M47%Noninterest $124.5MQ2 2025Q2 2026

NIM

6.60%Q2 ’246.52%Q2 ’256.35%Q2 ’260%+2%

Non-interest income vs. expense

3.05%Q2 ’243.15%Q2 ’252.79%Q2 ’26+3%-12%

Market Position · Corpus Christi, TX · 2026 SOD (annual) · 3.3% share · #9 of 16 inst. · $0.3B of $8.1B

3.6% Nueces
4.8% Aransas

Executive Summary

  • Earnings: ROA of 1.79%, down 31 bps year over year; NIM at 5.14%.
  • Asset quality: problem loans at 2.78% of loans (+220 bps YoY), with net charge-offs at 0.37%.
  • Capital: tier 1 leverage ratio of 11.30%, up 31 bps from a year ago.
  • Funding: loans stand at 63.17% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.79%-31 bps YoY

Net Interest Margin (YTD, annualized)

5.14%+8 bps YoY

Efficiency Ratio (YTD, annualized)

48.68%-654 bps YoY

Tier 1 Leverage Ratio

11.30%+31 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.10%2.17%2.16%1.89%1.79%-31 bps
Return on Equity31.05%31.14%30.03%23.81%22.24%-881 bps
Net Interest Margin5.06%4.94%5.13%5.12%5.14%+8 bps
Efficiency Ratio55.22%53.93%54.59%39.62%48.68%-654 bps
Non-Interest Burden2.50%2.37%2.50%1.67%2.19%-30 bps
Growth
Asset Growth (YoY)1.82%-2.57%-3.42%0.17%-3.76%-558 bps
Loan Growth (YoY)-1.07%-7.21%-9.20%-3.19%-8.52%-745 bps
Deposit Growth (YoY)1.59%5.12%6.79%6.42%2.81%+123 bps
Asset Quality
Nonperforming Loans / Loans0.57%1.43%1.73%1.84%2.78%+220 bps
Net Charge-Offs / Loans0.00%-0.02%0.00%0.46%0.37%+37 bps
Allowance / Loans1.42%1.48%1.51%1.87%2.04%+62 bps
Allowance Coverage of NPLs2.5x1.0x0.9x1.0x0.7x-1.7x
Capital
Tier 1 Leverage Ratio10.99%10.66%11.04%11.15%11.30%+31 bps
Total Risk-Based Capital17.37%17.96%18.21%18.24%18.78%+141 bps
Equity / Assets6.42%7.55%8.11%7.77%8.33%+190 bps
Liquidity & Funding
Loans / Deposits70.99%64.67%65.67%66.16%63.17%-782 bps
Liquid Assets / Assets4.86%5.27%0.61%0.81%0.69%-417 bps
CRE / Total Capitaln/a341%326%323%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Charter Bank

Corpus Christi, TX · Cert 18660 · Peer group: banks under $1B in assets in TX (n=208-211) · Charter Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$292.3MAssets
$167.5MLoans
$265.2MDeposits
$24.3MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 95% of banks under $1B in assets in TX (rank 10 of 211).
  • Widest gap: nonperforming loans / loans trails 93% of banks under $1B in assets in TX (rank 195 of 208).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.79%

Rank 33 of 211

Net Interest Margin

5.14%

Rank 11 of 211

Efficiency Ratio

48.68%

Rank 34 of 211

Equity / Assets

8.33%

Rank 189 of 211

Non-interest income vs. expense

$1.8M$8.5MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 84% of banks under $1B in assets in TX
Bank 48.68%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.79%0.87%1.20%1.65%Beats 84%33 / 211
Return on Equity21.51%7.52%11.67%14.58%Beats 95%10 / 211
Net Interest Margin5.14%3.28%3.82%4.31%Beats 95%11 / 211
Efficiency Ratio48.68%53.01%64.18%73.65%Beats 84%34 / 211
Asset Quality
Nonperforming Loans / Loans2.78%0.01%0.30%1.10%Beats 7%195 / 208
Net Charge-Offs / Loans0.20%0.00%0.01%0.06%Beats 8%192 / 208
Capital
Tier 1 Capital Ratio17.52%11.72%14.45%19.57%Beats 70%64 / 211
Total Risk-Based Capital Ratio18.78%11.94%14.78%20.30%Beats 71%61 / 211
Equity / Assets8.33%9.41%11.06%12.94%Beats 10%189 / 211
Liquidity & Funding
Loans / Deposits63.17%45.39%66.56%82.03%43rd pctl119 / 208
Loans / Assets57.30%39.13%56.90%70.46%50th pctl105 / 211
Brokered Deposits / Depositsn/aNot reported for this institution