TellerScore

Charter Bank is a state-chartered bank headquartered in Corpus Christi, Texas, in business for about 64 years. At the end of Q2 2026 it reported $292.3M in total assets and $265.2M in deposits, with 4 offices.

Charter Bank has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 16% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 311th. Earnings contributes the most (100/100, 2.29%); loan quality contributes the least (7/100, 2.78%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.30%
Loan quality7/100
Noncurrent loans ÷ total loans: 2.78%
Earnings100/100
Return on assets (annualized): 2.29%
Funding & liquidity69/100
Loans ÷ deposits and uninsured-deposit share: 61.9% · 41.0% uninsured
Problem-loan coverage67/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 16.75%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 19 points (77 → 58), mostly because the loan quality component weakened by 74 points.

TellerScore
587081Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202481
Q4 202481
Q1 202579
Q2 202577
Q3 202568
Q4 202566
Q1 202666
Q2 202658
Tier 1 leverage ratio
5.00%8.15%11.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.87%
Q3 202410.78%
Q4 202410.89%
Q1 202511.03%
Q2 202510.99%
Q3 202510.66%
Q4 202511.04%
Q1 202611.15%
Q2 202611.30%
Noncurrent loans
0.04%1.41%2.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.55%
Q3 20240.04%
Q4 20240.09%
Q1 20250.31%
Q2 20250.57%
Q3 20251.43%
Q4 20251.73%
Q1 20261.84%
Q2 20262.78%
Return on assets
2.29%2.54%2.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.75%
Q3 20242.79%
Q4 20242.78%
Q1 20252.55%
Q2 20252.68%
Q3 20252.76%
Q4 20252.74%
Q1 20262.41%
Q2 20262.29%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$292.3M11.30%2.78%2.29%61.9%
Q1 202666$292.7M11.15%1.84%2.41%64.9%
Q4 202566$290.3M11.04%1.73%2.74%64.7%
Q3 202568$301.5M10.66%1.43%2.76%63.7%
Q2 202577$303.8M10.99%0.57%2.68%70.0%
Q1 202579$292.3M11.03%0.31%2.55%71.7%
Q4 202481$300.5M10.89%0.09%2.78%76.2%
Q3 202481$309.4M10.78%0.04%2.79%72.3%
Q2 202477$298.4M10.87%0.55%2.75%71.8%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.30%
55th
Total risk-based capital18.78%
83rd
Problem loans2.78%
7th
Net charge-offs0.36%
7th
Return on assets2.29%
93rd
Net interest margin5.56%
97th
Efficiency ratio48.7%
86th
Loans to deposits61.9%
81st
Uninsured deposits41.0%
9th
Loan-loss reserves2.04%
94th
Texas ratio16.7%
9th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
One World BankBank Dallas, TX67 out of 100, Moderate$290.1M13.2%0.00%vs
Coleman County State BankBank Coleman, TX78 out of 100, Strong$295.1M8.6%0.05%vs
Arrowhead BankBank Llano, TX87 out of 100, Very strong$295.3M11.9%0.00%vs
Interstate BankBank Perryton, TX40 out of 100, Below average$288.4M9.4%3.47%vs
Victory BankBank Lubbock, TX77 out of 100, Strong$284.8M12.1%0.05%vs
Llano National BankBank Llano, TX80 out of 100, Strong$301.1M13.1%0.45%vs

Deposit insurance

Is my money safe at Charter Bank?

Yes. Charter Bank is an FDIC-insured institution (FDIC certificate #18660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.0% of deposits ($108.8M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.78% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Charter Bank lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Charter Bank
Former names
Charter Bank - Northwest; Stonewall Bank
Type
State-chartered bank
FDIC certificate #
18660
RSSD ID
814458
Primary regulator
FDIC
Holding company
Charter Bancshares Inc
Established
December 14, 1962
Headquarters
10502 Leopard St, Corpus Christi, TX 78410
Employees
50

Quick answers

Charter Bank: common questions

Is Charter Bank FDIC insured?

Yes. Charter Bank is an FDIC-insured institution (FDIC certificate #18660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Charter Bank's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Charter Bank ever failed?

There is no failure record for FDIC certificate #18660 in the FDIC failed bank list.

How many branches does Charter Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Corpus Christi

InstitutionScoreAssetsCapitalProblem loansCompare
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
First State Bank of OdemBank Odem, TX95 out of 100, Very strong$212.6M14.4%0.00%vs
Members First Credit UnionCredit union Corpus Christi, TX87 out of 100, Very strong$183.2M24.0%1.04%vs
Synergy Federal Credit UnionCredit union San Antonio, TX86 out of 100, Very strong$334.2M15.8%0.29%vs
Nce Credit UnionCredit union Corpus Christi, TX85 out of 100, Very strong$5.9M20.8%0.00%vs
ValueBank TexasBank Corpus Christi, TX85 out of 100, Very strong$303.6M12.5%0.00%vs