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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.29% | 2.15% | 2.01% | 2.22% | 2.29% | 2.08% | 1.89% | 1.70% | -52 bps | |
| Return on Equity | 30.86% | 29.19% | 28.90% | 33.09% | 32.80% | 26.53% | 23.81% | 21.10% | -1,199 bps | |
| Net Interest Margin | 5.23% | 5.29% | 5.03% | 5.10% | 5.02% | 5.16% | 5.12% | 5.08% | -2 bps | |
| Efficiency Ratio | 52.77% | 55.66% | 57.38% | 53.10% | 51.41% | 56.58% | 39.62% | 57.94% | +484 bps | |
| Non-Interest Burden | 2.45% | 2.65% | 2.60% | 2.40% | 2.27% | 2.65% | 1.67% | 2.70% | +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 | 0.28% | 0.01% | 0.00% | 0.00% | -0.07% | 0.07% | 0.46% | 0.25% | +25 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 | |