Charter Bank (Corpus Christi, TX)
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Data as of · sourced from FFIEC call reports. How we update
Charter Bank is an FDIC-insured commercial bank headquartered in Corpus Christi, TX, established in 1962 (FDIC certificate 18660), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $292.3M, down 3.8% from Q2 2025, the 217th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 18660
- Headquarters
- Corpus Christi, TX
- Established
- 1962
- Total assets, Q2 2026
- $292.3M
- Assets vs Q2 2025
- -3.8%
- CET1 ratio, Q2 2026
- 17.52%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 114923976
- Latest call report
- Q2 2026, FFIEC 051 · Charter Bank call report
- Holding company
- CHARTER BANCSHARES, INC.
- Asset rank in state
- 217th of 346 in Texas
Problem loans are rising at Charter Bank. Based in Corpus Christi, Texas, it had $292 million in assets at June 30, 2026, down 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.78% of loans from 0.57% a year earlier. It returns 26.9% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. It also keeps 5.52 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans fell 8.5% and deposits rose 2.8%. The commercial and industrial book ($32 million) is worsening: 6.61% of it is past due or on nonaccrual, up from 3.96% a year earlier. Credit is the area to watch: it carries problem assets equal to 16.7% of the capital and reserves that would absorb them, 6.3 times the median of 2.6% for banks its size.
As of June 30, 2026, Charter Bank reported a CET1 capital ratio of 17.52%, a return on assets of 2.09%, a nonperforming-loan ratio of 2.78% and a Texas ratio of 16.75%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Charter Bank is the 217th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $292.3M, loans fell 4.8% and deposits fell 0.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 30.5% of total loans, ahead of construction and land development loans at 23.8%. Its 4 offices in the FDIC Summary of Deposits are in Corpus Christi, TX and Rockport, TX; its Corpus Christi 3 offices book 91% of its branch deposits. Judged on its Q2 2026 call report, Charter Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 10502 Leopard St, Corpus Christi, TX 78410
- County
- Nueces
- Metro Area
- Corpus Christi, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- December 14, 1962
- Former names
- Charter Bank - Northwest (1982-2001); Stonewall Bank (1967-1982)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 50
- Domestic deposits
- $265.2M
- Allowance for credit losses
- $3.4M
- Net charge-offs (YTD)
- $309K
- Average total assets
- $303.2M
- Average total loans
- $171.5M
- Average interest-bearing deposits
- $147.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- December 14, 1962
- FDIC Cert
- 18660
- Fed RSSD
- 814458
- Website
- www.charterbankcc.com →
- Parent Holding Company
- CHARTER BANCSHARES, INC. (RSSD 2963556)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Charter Bank's total assets ran between $290.3M (Q4 2025) and $316.9M (Q3 2023), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$292.3M total assets against $303.8M; $268.0M total liabilities against $284.3M.
$164.1M net loans and leases against $180.5M; $265.2M total deposits against $257.9M.
$114.0M securities against $96.0M; $9.2M cash and balances due against $20.5M.
$4.8M total interest income against $5.1M; $899K total interest expense against $1.1M.
$3.9M net interest income against $4.0M.
$443K total noninterest income against $511K; $2.5M total noninterest expense against $2.4M.
$225K provision for credit losses against $0.
$1.6M net income against $2.1M.
2.09% return on assets against 2.70%; 5.52% net interest margin against 5.50%.
17.52% CET1 capital ratio against 16.12%; 11.30% tier 1 leverage ratio against 10.99%.
Inside the full Charter Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Charter Bank rankings
Its closest position to the top of a national ranking is 249 of 3,640, for Texas Ratio; its furthest is 2,500 of 4,196, for total assets.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 2.09% (Q2 2026) to 2.78% (Q3 2024) and its net interest margin ran from 5.41% (Q3 2025) to 5.69% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.52% | 2.09% | 2.78% | 16.75% | 5.52% |
| Q1 2026 | 16.98% | 2.28% | 1.84% | 12.43% | 5.55% |
| Q4 2025 | 16.96% | 2.51% | 1.73% | 11.94% | 5.57% |
| Q3 2025 | 16.71% | 2.75% | 1.43% | 10.00% | 5.41% |
| Q2 2025 | 16.12% | 2.70% | 0.57% | 4.73% | 5.50% |
| Q1 2025 | 16.25% | 2.44% | 0.31% | 2.47% | 5.43% |
| Q4 2024 | 15.71% | 2.63% | 0.09% | 0.77% | 5.69% |
| Q3 2024 | 15.96% | 2.78% | 0.04% | 0.29% | 5.63% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Charter Bank (main office) | Corpus Christi , TX | 78410 | $178.4M |
| Navigation Branch | Corpus Christi , TX | 78408 | $45.6M |
| Rockport Branch | Rockport , TX | 78382 | $22.8M |
| Saratoga Branch | Corpus Christi , TX | 78415 | $18.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 1, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 1, 2011 | Structure Change | Acquired Charter Alliance Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 258 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $150K approved, $150K average. 100.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2001 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Charter Bank
What are Charter Bank's total assets?
As of the Q2 2026 filing, Charter Bank reported total assets of $292.3 million in its FFIEC call report.
Where is Charter Bank headquartered?
It is headquartered in Corpus Christi, TX, United States.
When was Charter Bank founded?
It was established in 1962, per the FDIC institution directory.
Is Charter Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Charter Bank?
Charter Bank's primary federal regulator is the FDIC.
What is Charter Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Charter Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Charter Bank's Texas Ratio?
Its Texas Ratio is 16.75% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Charter Bank previously called?
The charter now named Charter Bank has also operated as Charter Bank - Northwest (1982-2001), Stonewall Bank (1967-1982), per FDIC structure-change records.
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