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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