Charter Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits dropped 1.43 percentage points in Q2 2026, from 88.78% to 87.36%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Charter Bank is 52nd of 225 on return on assets, 1.73% as of Q2 2026, above the middle of the field. Charter Bank reported 1.73% on return on assets for Q2 2026, 0.47 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.03% |
| Equity capital to assets | 10.30% |
| Tangible equity to tangible assets | 10.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 17.14% |
| Net interest margin | 3.66% |
| Efficiency ratio | 49.27% |
| Yield on earning assets | 5.32% |
| Cost of funds | 1.81% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 81.65% |
| Core deposits to total deposits | 87.36% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.42% |
| Securities to assets | 21.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.45% | 16.45% | 17.37% | 10.86% | 0.87% |
| Q4 2023 | 16.52% | 16.52% | 17.44% | 10.85% | 0.97% |
| Q1 2024 | 16.54% | 16.54% | 17.47% | 11.05% | 0.92% |
| Q2 2024 | 16.81% | 16.81% | 17.76% | 11.31% | 1.18% |
| Q3 2024 | 16.59% | 16.59% | 17.53% | 11.56% | 1.09% |
| Q4 2024 | 15.41% | 15.41% | 16.32% | 11.02% | 0.62% |
| Q1 2025 | — | — | — | 11.12% | 1.13% |
| Q2 2025 | — | — | — | 11.10% | 1.50% |
| Q3 2025 | — | — | — | 11.30% | 1.58% |
| Q4 2025 | — | — | — | 10.97% | 1.62% |
| Q1 2026 | — | — | — | 10.83% | 1.74% |
| Q2 2026 | — | — | — | 11.03% | 1.73% |
Charter Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Charter Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Charter Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34686) · FFIEC NIC profile (RSSD 2705112)