Charter Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 14.0% in Q2 2026, from -$11.5M to -$9.9M. It was the largest change from Q1 2026 among the key lines here. Charter Bank ranks 81st of 184 Texas banks on CET1 ratio, in the upper half at 17.52% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Charter Bank sits 2.45 points higher, at 17.52% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 17.52% |
| Tier 1 risk-based capital ratio | 17.52% |
| Total risk-based capital ratio | 18.78% |
| Tier 1 leverage ratio | 11.30% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $34.3M |
| Tier 1 capital | $34.3M |
| Total risk-based capital | $36.7M |
| Total equity capital | $24.3M |
| Risk-weighted assets | $195.6M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
| Equity capital to average assets | 8.03% |
| Internal capital growth rate | 0.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $1.2M |
| Common stock surplus | $14.7M |
| Retained earnings | $18.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$9.9M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 16.59% | 16.59% | 17.84% | 10.62% | $217.4M |
| Q4 2023 | 16.28% | 16.28% | 17.53% | 10.77% | $210.5M |
| Q1 2024 | 16.49% | 16.49% | 17.74% | 10.97% | $207.8M |
| Q2 2024 | 16.47% | 16.47% | 17.73% | 10.87% | $208.0M |
| Q3 2024 | 15.96% | 15.96% | 17.21% | 10.78% | $214.7M |
| Q4 2024 | 15.71% | 15.71% | 16.96% | 10.89% | $218.1M |
| Q1 2025 | 16.25% | 16.25% | 17.51% | 11.03% | $210.8M |
| Q2 2025 | 16.12% | 16.12% | 17.37% | 10.99% | $212.6M |
| Q3 2025 | 16.71% | 16.71% | 17.96% | 10.66% | $205.0M |
| Q4 2025 | 16.96% | 16.96% | 18.21% | 11.04% | $202.0M |
| Q1 2026 | 16.98% | 16.98% | 18.24% | 11.15% | $201.8M |
| Q2 2026 | 17.52% | 17.52% | 18.78% | 11.30% | $195.6M |
Charter Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Charter Bank, freeSource: Call Report Schedule RC-R, 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 18660) · FFIEC NIC profile (RSSD 814458)