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Charter Bank
Corpus Christi, TX · FDIC Certificate #18660 · Chartered 12/1
Total assets
$292.35M
Total deposits
$265.19M
Total equity
$24.35M
Net loans
$164.11M
Branches (offices)
4
Net income (YTD)
$3.33M
Rank: #2,510 of 4,213 U.S. banks by assets · #217 of 346 in Texas. Assets changed -3.8% and deposits 2.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.29% |
| Return on equity | 28.33% |
| Net interest margin (YTD) | 5.56% |
| Equity to assets | 8.33% |
| Tier 1 leverage ratio | 11.30% |
| Uninsured deposits (share of deposits) | 41.0% |
| Noncurrent loans (share of loans) | 2.78% |
| Net charge-offs (share of loans) | 0.36% |
| Loans to deposits | 61.9% |
| Real estate loans (share of loans) | 75.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $124.03M | 75.6% | |
| Commercial & industrial | $31.53M | 19.2% | |
| Consumer / individual | $496.00K | 0.3% | |
| Construction & development | $39.93M | 24.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $316.06M | $274.15M | $5.41M | $14.84M |
| Jun 2023 | $328.98M | $257.02M | $4.83M | $22.15M |
| Jun 2024 | $298.36M | $253.90M | $4.17M | $20.97M |
| Jun 2025 | $303.78M | $257.93M | $4.00M | $19.52M |
| Jun 2026 | $292.35M | $265.19M | $3.33M | $24.35M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $265.19M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $265.19M.
Similar-sized banks
Three Rivers Bank Of Montana ($293.09M) · 22Nd State Banking Company ($292.18M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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