Charter Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 14.52 percentage points in Q2 2026, from 284.31% to 269.78%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Charter Bank is 230th of 346 on loan-to-deposit ratio, 63.17% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Charter Bank sits 17.67 points lower, at 63.17% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $167.5M |
| Net loans and leases | $164.1M |
| Loans held for sale | $0 |
| Loans to total assets | 57.30% |
| Loan-to-deposit ratio | 63.17% |
| Net loans to equity capital | 6.74% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 39.80% |
| Multifamily (5+ residential) | 0.10% |
| Commercial and industrial | 18.75% |
| Consumer | 0.29% |
| Credit cards | 0.00% |
| Farm | 0.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 269.78% |
| Construction concentration (Tier 1 capital + allowance) | 105.97% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 9.00% |
| Interest income on loans | $3.9M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $190.8M | $254.6M | 21.02% | 17.45% | 0.28% |
| Q4 2023 | $185.2M | $249.2M | 19.80% | 18.19% | 0.29% |
| Q1 2024 | $183.8M | $257.1M | 29.02% | 18.16% | 0.28% |
| Q2 2024 | $185.1M | $253.9M | 29.89% | 17.79% | 0.25% |
| Q3 2024 | $191.2M | $261.0M | 32.88% | 18.58% | 0.37% |
| Q4 2024 | $189.8M | $245.8M | 34.34% | 18.99% | 0.36% |
| Q1 2025 | $181.7M | $249.9M | 35.34% | 16.41% | 0.40% |
| Q2 2025 | $183.1M | $257.9M | 37.81% | 16.54% | 0.43% |
| Q3 2025 | $177.4M | $274.3M | 39.25% | 15.67% | 0.39% |
| Q4 2025 | $172.4M | $262.5M | 38.83% | 16.92% | 0.29% |
| Q1 2026 | $175.9M | $265.9M | 38.75% | 18.99% | 0.31% |
| Q2 2026 | $167.5M | $265.2M | 39.80% | 18.75% | 0.29% |
Charter Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Charter Bank, freeSource: Call Report Schedule RC-C, 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)