Corpus Christi, TX · Cert 18660 · Charter Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
50
Asset Quality
8
Profitability
91
Liquidity
91
Efficiency
84
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.
Corpus Christi, TX · Cert 18660 · Charter Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Corpus Christi, TX · 2026 SOD (annual) · 3.3% share · #9 of 16 inst. · $0.3B of $8.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.20% | 2.20% | 2.01% | 2.10% | 2.17% | 2.16% | 1.89% | 1.79% | -31 bps | |
| Return on Equity | 29.78% | 30.14% | 28.90% | 31.05% | 31.14% | 30.03% | 23.81% | 22.24% | -881 bps | |
| Net Interest Margin | 5.10% | 5.18% | 5.03% | 5.06% | 4.94% | 5.13% | 5.12% | 5.14% | +8 bps | |
| Efficiency Ratio | 53.26% | 53.87% | 57.38% | 55.22% | 53.93% | 54.59% | 39.62% | 48.68% | -654 bps | |
| Non-Interest Burden | 2.42% | 2.49% | 2.60% | 2.50% | 2.37% | 2.50% | 1.67% | 2.19% | -30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.36% | -0.71% | -5.15% | 1.82% | -2.57% | -3.42% | 0.17% | -3.76% | -558 bps | |
| Loan Growth (YoY) | 0.24% | 2.48% | -1.13% | -1.07% | -7.21% | -9.20% | -3.19% | -8.52% | -745 bps | |
| Deposit Growth (YoY) | 2.53% | -1.36% | -2.80% | 1.59% | 5.12% | 6.79% | 6.42% | 2.81% | +123 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.09% | 0.31% | 0.57% | 1.43% | 1.73% | 1.84% | 2.78% | +220 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.07% | 0.00% | 0.00% | -0.02% | 0.00% | 0.46% | 0.37% | +37 bps | |
| Allowance / Loans | 1.36% | 1.37% | 1.43% | 1.42% | 1.48% | 1.51% | 1.87% | 2.04% | +62 bps | |
| Allowance Coverage of NPLs | 33.8x | 14.4x | 4.5x | 2.5x | 1.0x | 0.9x | 1.0x | 0.7x | -1.7x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.78% | 10.89% | 11.03% | 10.99% | 10.66% | 11.04% | 11.15% | 11.30% | +31 bps | |
| Total Risk-Based Capital | 17.21% | 16.96% | 17.51% | 17.37% | 17.96% | 18.21% | 18.24% | 18.78% | +141 bps | |
| Equity / Assets | 7.80% | 6.89% | 7.02% | 6.42% | 7.55% | 8.11% | 7.77% | 8.33% | +190 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 73.27% | 77.24% | 72.73% | 70.99% | 64.67% | 65.67% | 66.16% | 63.17% | -782 bps | |
| Liquid Assets / Assets | 1.08% | 0.09% | 1.35% | 4.86% | 5.27% | 0.61% | 0.81% | 0.69% | -417 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 341% | 326% | 323% | n/a | n/a | |
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
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.79% | 0.87% | 1.20% | 1.65% | Beats 84% | 33 / 211 | ||
| Return on Equity | 21.51% | 7.52% | 11.67% | 14.58% | Beats 95% | 10 / 211 | ||
| Net Interest Margin | 5.14% | 3.28% | 3.82% | 4.31% | Beats 95% | 11 / 211 | ||
| Efficiency Ratio | 48.68% | 53.01% | 64.18% | 73.65% | Beats 84% | 34 / 211 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.78% | 0.01% | 0.30% | 1.10% | Beats 7% | 195 / 208 | ||
| Net Charge-Offs / Loans | 0.20% | 0.00% | 0.01% | 0.06% | Beats 8% | 192 / 208 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 17.52% | 11.72% | 14.45% | 19.57% | Beats 70% | 64 / 211 | ||
| Total Risk-Based Capital Ratio | 18.78% | 11.94% | 14.78% | 20.30% | Beats 71% | 61 / 211 | ||
| Equity / Assets | 8.33% | 9.41% | 11.06% | 12.94% | Beats 10% | 189 / 211 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.17% | 45.39% | 66.56% | 82.03% | 43rd pctl | 119 / 208 | ||
| Loans / Assets | 57.30% | 39.13% | 56.90% | 70.46% | 50th pctl | 105 / 211 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||