Charter Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 15.99 percentage points in Q2 2026, from 59.02% to 43.03%. It was the largest change from Q1 2026 among the key lines here. Within Texas, Charter Bank is 56th of 345 on return on assets, 2.09% as of Q2 2026, above the middle of the field. Charter Bank's return on assets of 2.09% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.83 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.52% |
| Tier 1 risk-based capital ratio | 17.52% |
| Total risk-based capital ratio | 18.78% |
| Tier 1 leverage ratio | 11.30% |
| Equity capital to assets | 8.33% |
| Tangible equity to tangible assets | 8.33% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.73% |
| Non-performing assets ratio | 2.71% |
| Net charge-off ratio | 0.25% |
| Texas ratio | 30.34% |
| Allowance for credit losses to loans | 2.04% |
| Reserve coverage of non-performing loans | 43.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.09% |
| Return on equity | 26.88% |
| Net interest margin | 5.52% |
| Efficiency ratio | 54.98% |
| Yield on earning assets | 6.73% |
| Cost of funds | 1.34% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 63.17% |
| Core deposits to total deposits | 89.04% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 90.71% |
| Securities to assets | 38.98% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 16.59% | 16.59% | 17.84% | 10.62% | 2.63% |
| Q4 2023 | 16.28% | 16.28% | 17.53% | 10.77% | 2.47% |
| Q1 2024 | 16.49% | 16.49% | 17.74% | 10.97% | 2.46% |
| Q2 2024 | 16.47% | 16.47% | 17.73% | 10.87% | 2.86% |
| Q3 2024 | 15.96% | 15.96% | 17.21% | 10.78% | 2.78% |
| Q4 2024 | 15.71% | 15.71% | 16.96% | 10.89% | 2.63% |
| Q1 2025 | 16.25% | 16.25% | 17.51% | 11.03% | 2.44% |
| Q2 2025 | 16.12% | 16.12% | 17.37% | 10.99% | 2.70% |
| Q3 2025 | 16.71% | 16.71% | 17.96% | 10.66% | 2.75% |
| Q4 2025 | 16.96% | 16.96% | 18.21% | 11.04% | 2.51% |
| Q1 2026 | 16.98% | 16.98% | 18.24% | 11.15% | 2.28% |
| Q2 2026 | 17.52% | 17.52% | 18.78% | 11.30% | 2.09% |
Charter Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Charter Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)