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
Unfavorable gap of $6.7M · efficiency ratio beats 84% of banks under $1B in assets in TX | 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 |