Charter Bank: how it compares with its peers
Against 141 TX banks with half to twice its assets, Charter Bank's strongest measure in Q2 2026 is net interest margin (5.56% vs. a 4.20% peer median). Its weakest relative measure is assets per employee ($5.8M vs. $6.7M).
| Measure | Charter Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.29% | 1.44% | Top third Ahead of 87% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.56% | 4.20% | Top third Ahead of 95% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 48.68% | 61.58% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.8M | $6.7M | Bottom third Ahead of 33% of peers |
| Loans to deposits Net loans and leases over total deposits. | 61.88% | 67.99% | Context |
What it means for lending operations
Its efficiency ratio of 48.68% is better than the 61.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- One World Bank Dallas, TX · $290M
- Coleman County State Bank Coleman, TX · $295M
- Arrowhead Bank Llano, TX · $295M
- Interstate Bank Perryton, TX · $288M
- Victory Bank Lubbock, TX · $285M
- Llano National Bank Llano, TX · $301M
Questions about Charter Bank
How big is Charter Bank?
Charter Bank, established in 1962, is headquartered in Corpus Christi, TX. It reported $292M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Charter Bank's return on assets?
2.29% annualized in Q2 2026, against a 1.44% median for 141 TX banks with half to twice its assets, ahead of 87% of them.
What is Charter Bank's efficiency ratio?
48.68% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 61.58%, and lower is better.
Is Charter Bank growing its loans?
Net loans shrank 9.1% over the year to Q2 2026, while deposits grew 2.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.