Charter Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Charter Bank of Corpus Christi, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.09% | 1.35% | +0.74% | 88th top |
| ROAE | 26.88% | 12.05% | +14.83% | 97th top |
| Net Interest Margin | 5.52% | 3.90% | +1.62% | 97th top |
| Efficiency Ratio | 54.98% | 63.15% | -8.17% | 69th above |
| PPNR / Avg Assets | 2.38% | 1.64% | +0.74% | 86th top |
| Yield on Earning Assets | 6.73% | 5.65% | +1.08% | 92nd top |
| Cost of Funds | 1.34% | 1.85% | -0.51% | 78th top |
| Net Interest Spread | 4.25% | 3.35% | +0.90% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 4.73% | 0.92% | +3.81% | 3rd bottom |
| NPA / Total Assets | 2.71% | 0.67% | +2.04% | 4th bottom |
| NCO / Avg Loans | 0.25% | 0.14% | +0.11% | 11th bottom |
| ACL / Total Loans | 2.04% | 1.28% | +0.76% | 94th top |
| ACL / NPLs (Coverage) | 43.03% | 1645.82% | -1602.79% | 8th bottom |
| Texas Ratio | 30.34% | 7.14% | +23.20% | 3rd bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 364.08% | 1189.70% | -825.62% | 68th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.52% | 20.83% | -3.31% | 66th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.52% | 20.86% | -3.34% | 66th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 18.78% | 21.94% | -3.16% | 67th above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.30% | 12.46% | -1.16% | 55th above |
| Equity / Assets | 8.33% | 11.67% | -3.34% | 17th bottom |
| TCE / Tangible Assets | 8.33% | 11.40% | -3.07% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 63.17% | 78.65% | -15.48% | 80th top |
| Core Deposit Ratio | 89.04% | 87.09% | +1.95% | 50th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.76% | 6.48% | -10.24% | 7th bottom |
| Loan Growth (Y/Y) | -8.52% | 7.65% | -16.17% | 4th bottom |
| Deposit Growth (Y/Y) | 2.81% | 6.02% | -3.21% | 42nd below |
See Charter Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Charter Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Charter Bank profile, how to read a UBPR, or how this data updates.