Bank call report · Corpus Christi, TX
Charter Bank Call Report
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Charter Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 297 reported line items, schedule by schedule (767 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 814458 |
| FDIC certificate number | 18660 |
| Total assets | $292.3M |
Official Q2 2026 call report PDF (FFIEC) →
Charter Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (21 items)
About Schedule RC · Charter Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $292.3M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $292.3M |
| Total Liabilities and Minority Interest | RCON2948 | $268.0M |
| Total Deposits | RCON2200 | $265.2M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $167.5M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $164.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $140.7M |
| Deposits: Noninterest-bearing | RCON6631 | $124.5M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $114.0M |
| Total Equity Capital | RCON3210 | $24.3M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $24.3M |
| Undivided Profits and Capital Reserves | RCON3632 | $18.4M |
| Surplus | RCON3839 | $14.7M |
| Accumulated Other Comprehensive Income | RCONB530 | -$9.9M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $7.2M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.4M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.1M |
| Other Liabilities, Total | RCON2930 | $2.8M |
| Interest-bearing Balances | RCON0071 | $2.0M |
| Other Assets | RCON2160 | $1.9M |
| Common Stock | RCON3230 | $1.2M |
Schedule RI: Income Statement (35 items)
About Schedule RI · Charter Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $9.6M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $7.9M |
| Net Interest Income | RIAD4074 | $7.8M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $4.8M |
| Total Noninterest Expense | RIAD4093 | $4.2M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $3.3M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $3.3M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $3.3M |
| Net Income (Loss) | RIAD4340 | $3.3M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $3.3M |
| Salaries and Employee Benefits | RIAD4135 | $2.7M |
| Total Interest Expense | RIAD4073 | $1.8M |
| Interest on Other Securities | RIAD4060 | $1.7M |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $1.7M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.5M |
| Other Noninterest Expense | RIAD4092 | $1.2M |
| Provision for Loan and Lease Losses | RIAD4230 | $1.1M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $1.1M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.0M |
| Total Noninterest Income | RIAD4079 | $904K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $865K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $619K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $543K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $516K |
| Other Noninterest Income | RIADB497 | $365K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $314K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $287K |
| Other Interest Expense | RIADGW44 | $60K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $46K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $28K |
| Net Gains (Losses) on Other Real Estate Owned | RIAD5415 | $23K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $15K |
| Other Interest Income | RIAD4518 | $5K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 50 |
Schedule RC-B: Securities (12 items)
About Schedule RC-B · Charter Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $123.9M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $123.7M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $113.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $67.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing of Over Ffteen Years | RCONA554 | $18.4M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $11.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $11.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $9.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $5.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $2.0M |
| Amortized Cost of Available-for-sale Other Foreign Debt Securities | RCON1744 | $150K |
| Fair Value of Available-for-sale Other Foreign Debt Securities | RCON1746 | $150K |
Schedule RC-C, Part I: Loans and Leases (33 items)
About Schedule RC-C, Part I · Charter Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $167.5M |
| Pledged Loans and Leases | RCONG378 | $155.6M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $74.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $66.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $51.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $39.9M |
| Commercial and Industrial Loans | RCON1766 | $31.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $27.1M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $24.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $16.2M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $15.9M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $15.3M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $12.8M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $10.5M |
| Loans to Nondepository Financial Institutions and Other Loans: Loans to Nondepository Financial Institutions | RCONJ454 | $10.2M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $5.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $4.0M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Construction, Land Development, and Other Land Loans: Secured by Nonfarm Nonresidential Properties: Loans Secured by Other Nonfarm Nonresidential Properties | RCONK162 | $3.8M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $3.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $3.7M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $3.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $2.6M |
| Other Loans | RCONJ464 | $1.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $1.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $653K |
| Unearned Income on Loans | RCON2123 | $615K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $476K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $382K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $337K |
| Real Estate Loans Secured by Farmland | RCON1420 | $175K |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $164K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $144K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $15K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (16 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $16.1M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $7.3M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $3.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.6M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $551K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $149K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $26K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 126 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 36 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 30 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 29 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 25 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 12 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 1 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (22 items)
About Schedule RC-E · Charter Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $133.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $133.0M |
| Total Transaction Accounts | RCON2215 | $132.2M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $131.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $124.5M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $57.1M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $29.1M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $28.8M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $28.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $22.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $16.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $10.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $8.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $7.8M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $7.6M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $6.8M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $3.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $1.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.1M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $555K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $541K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $252K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Accrued Interest Receivable | RCONB556 | $1.4M |
| Other Assets | RCON2168 | $341K |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $220K |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $121K |
| Prepaid Expenses | RCON2166 | $121K |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.7M |
| All Other Liabilities | RCON2938 | $558K |
| Dividends Declared But Not Yet Payable | RCON2932 | $431K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $371K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $190K |
Schedule RC-K: Quarterly Averages (14 items)
About Schedule RC-K · Charter Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $303.2M |
| Quarterly Average of Total Loans | RCON3360 | $171.5M |
| All Other Securities | RCONB560 | $122.7M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $108.9M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $86.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $33.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $32.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $18.7M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $17.9M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $8.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $1.8M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $992K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $646K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $537K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (10 items)
About Schedule RC-L · Charter Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $10.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $9.4M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $4.8M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.8M |
| Year-to-date Merchant Credit Card Sales Volume:sales for Which the Reporting Bank Is the Agent Bank with Risk | RCONC224 | $2.1M |
| Performance Standby Letters of Credit | RCON3821 | $2.1M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.8M |
| Other unused commitments: Loans to nondepository financial institutions | RCONPV11 | $1.7M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $641K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $108K |
Schedule RC-M: Memoranda (2 items)
About Schedule RC-M · Charter Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $3.6M |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Charter Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $4.2M |
| Additions to Nonaccrual Assets | RCONC410 | $3.8M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.7M |
| 1-4 Family Residential Construction Loans, Nonaccrual | RCONF176 | $1.6M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.5M |
| 1-4 Family Residential Construction Loans: Past Due 31 - 89 Days | RCONF172 | $1.3M |
| Other Construction Loans and All Land Development and Other Land Loans, Nonaccrual | RCONF177 | $1.1M |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $494K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $494K |
| Other Construction Loans and All Land Development and Other Land Loans, Past Due 31 - 89 Days | RCONF173 | $164K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $126K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $88K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty: Commercial and Industrial Loans - Nonaccrual | RCONK259 | $30K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $30K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Charter Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $303.2M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $265.6M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $159.3M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $103.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $34.6M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $2.5M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $678K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 6,229 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 203 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 83 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Charter Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Charter Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $303.2M |
| Average total consolidated assets | RCOAKW03 | $303.2M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $195.6M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $36.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $34.3M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $34.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $34.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $24.3M |
| Retained Earnings | RCOAKW00 | $18.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $15.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$9.9M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$9.9M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $2.5M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $2.5M |
| Tier 2 Capital Before Deductions | RCOAP870 | $2.5M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1878 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1752 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1752 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.113 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1078 |
Schedule RC-R, Part II: Risk-Weighted Assets (58 items)
About Schedule RC-R, Part II · Charter Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $196.7M |
| Total Risk-weighted Assets | RCONG641 | $195.6M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $159.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $159.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $151.1M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $146.1M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $143.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $125.9M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $125.9M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $121.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $114.0M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $25.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $24.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $20.4M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $20.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $16.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $16.5M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$13.3M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $10.2M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$9.9M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $9.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $8.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $7.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $7.1M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $5.4M |
| Total All Other Assets | RCOND981 | $5.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $4.8M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $4.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $4.1M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $3.9M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $3.6M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $3.6M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $3.5M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $3.5M |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $2.4M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $2.1M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.7M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $1.5M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $1.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $1.1M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $1.1M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $1.1M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $1.1M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $1.0M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $975K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $746K |
| Unconditionally Cancellable Commitments | RCONS540 | $641K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $188K |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $150K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $115K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $108K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $108K |
| Allocation by Risk Weight Category 0%, Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONH178 | $102K |
| Financial Standby Letters of Credit - 0 Pct Risk Weight Category | RCOND993 | $100K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $67K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $29K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $8K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $7K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $24.3M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $23.5M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $23.5M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $3.3M |
| Other Comprehensive Income | RIADB511 | $798K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (6 items)
About Schedule RI-B, Part I · Charter Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $343K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $332K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $34K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $33K |
| Charge-offs on All Other Loans | RIAD4644 | $11K |
| Recoveries on All Other Loans | RIAD4628 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Charter Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $3.4M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $2.6M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $343K |
Charter Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Charter Bank call report?
The Charter Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Charter Bank file?
Charter Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Charter Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Charter Bank has Federal Reserve RSSD ID 814458 and FDIC certificate number 18660. Either one finds its filings on the FFIEC Central Data Repository.
How often does Charter Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Charter Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 18660) · FFIEC NIC profile (RSSD 814458)