# CHARIS BANK
JUSTIN, TX · FDIC certificate 12308 · asset band <$300M · latest filing 2023-03 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 6 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $252.3M | |
| Deposits | $216.4M | |
| Loans and leases | $148.0M | |
| Total equity | $33.4M | |
| Loans / deposits | 67.65% (p53 of band) | 65.77% |
| Liquid assets / assets | 38.34% (p50 of band) | |
| Uninsured deposits / deposits | 62.51% (p99 of band) | 19.70% |
| Brokered deposits | 4.19% | |
| Wholesale funding | 4.19% (p68 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.17% (p53 of band) | 10.97% |
| Unrealized securities loss / equity | 0.00% (p96 of band) | -19.70% |
| AOCI / equity | 0.00% (p10 of band) | |
| ROA (annualized) | -2.46% (p2 of band) | 1.01% |
| Net interest margin | 3.91% (p66 of band) | 3.56% |
| Efficiency ratio | 157.32% (p99 of band) | |
| Noncurrent loans | 0.00% (p13 of band) | 0.18% |
| Net charge-offs (annualized) | 0.70% (p99 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 77% | |
| Construction % of loans | 94.77% (p88 of band) | |
| Auto loans | $55,000 (0.04% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -10.2% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **uninsured deposits >50%** (`liq_uninsured`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | capital falling |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 |  | uninsured deposits leaving |
| 2013-06 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2013-09 | 4 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | uninsured deposits leaving |  |
| 2014-09 | 0 |  | uninsured deposits leaving |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 2 | deposits shrinking, assets shrinking |  |
| 2015-09 | 3 | uninsured deposits leaving |  |
| 2015-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | construction >100% equity |  |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | construction >100% equity |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | capital falling |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 0 |  | construction >100% equity, capital falling |
| 2018-06 | 3 | expense ratio p90, NIM <2.5%, reserve under noncurrent |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 4 | losing money, noncurrent p90 | NIM <2.5% |
| 2019-03 | 4 | capital falling | noncurrent p90 |
| 2019-06 | 6 | noncurrent p90, deposits shrinking |  |
| 2019-09 | 3 |  | capital falling, noncurrent p90, deposits shrinking |
| 2019-12 | 2 |  | reserve under noncurrent |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 4 | uninsured deposits >50% |  |
| 2021-03 | 2 |  | expense ratio p90, losing money |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 5 | losing money, expense ratio p90, NIM <2.5% |  |
| 2022-06 | 3 |  | losing money, expense ratio p90 |
| 2022-09 | 2 |  | NIM <2.5% |
| 2022-12 | 2 | deposits shrinking | capital falling |
| 2023-03 | 6 | losing money, expense ratio p90, charge-offs p90, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-01-17 [Exclusive: Vista Bank to acquire Charis Bank - The Business Journals](https://news.google.com/rss/articles/CBMijgFBVV95cUxOcWYzYTRHT0pRNFg2eG5CckZvQV91Y3Q2QUtrZlN6aTh5bFhibkpmcXJiaklJRWJpZlhFQWVzdF9yRVdOV3FhQzlSekF2cDE4VzNRbE9lbzBZNVJualNWNG1kWjFJMXJ3RFFhUm5zTXYxTWxac1VRXy1jSmhnU2pBMzRWVzI5ZUMyZ0ZkUjNR?oc=5) · The Business Journals
- 2023-01-30 [Dallas commercial lender Vista Bank to acquire competitor - Dallas News](https://news.google.com/rss/articles/CBMiswFBVV95cUxQQ3IwbVJPekdiaXZqNWVKMDREUDJlZGt4RWhVSXR5V1VJSTB1WlVuSXBsUDFHRFpsajVIcENMQ29XQy1INklmMGotM1FPWmFnSWlKY255SFJETHUtSUs5TzBtajBoQmF3b3NiS1dHMWNuaVBMZ0p5X0FmVV9XNndlTXZNQWpMYW5XUnhjU0VGSDVES1lVSlhSNHBWaWJpaDFqblNOa21jS01wMDFtb0psdEhmcw?oc=5) · Dallas News
- 2023-04-03 [Vista Bancshares, Inc. Completes Acquisition of Charis Holdings, Inc. - Yahoo Finance](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSjRYakZ6eUxIOW1vVUdFQlhyM2RYRlVHVTFIc1JLaW1lcjdHSHhNTGFUV2gySjdKanVZVWZ3cjJ4OFYyU1hFZGoyVmhOYl9PTHJnUmo0R0FGU2F5QWtQZEpKTDNLTm1lMUZmWjhMdXY3QzJCcjE3eVViQXQ3VjBlSkJqLXdoSXJMN0d1Ymc2aFZmQQ?oc=5) · Yahoo Finance
- 2025-04-30 [Vista Bank Announces Forty-Year Dallas Fed M&A Regulator Bob Mahalik Joins as SVP, Director of Strategic Initiatives and M&A Advisor - PR Newswire](https://news.google.com/rss/articles/CBMikwJBVV95cUxNekZGUk96NW1jVlY4d1pWVVFXdEZYdmo1c0hXc1hzVmdpSkdzUlRSbFZTSEpabTBFM2sxYXo1S3kyd0hEVGhTTGd6TFN6QmE3Zk5Tc29YY3Z0T0NTTDdlTWNXdUU5d0hlLW5EU2RpUVFpNW5PcTlLYzlhNFJqa1k4eUxMdEszdHZsSE9YZlNkWHRJbWp1dEREVElqZGJFSlItZzJTSVJkRWU5ekJaVzBsTnU1MDhNcWtDanNrdE1yRk1RWEVOSmNlSGc3cHQ5c1QyUExBVC1Jb1h1WWlUcHRyWExhbmIzU3ZpQ0VES00tU3BLS2hBV185am1VdUR3SkxfQ0xibW94SUVFRHZyWVZzcjNKaw?oc=5) · PR Newswire
- 2026-05-08 [Trinity Bank Appoints Mindy Hegi As Chief Financial Officer - Pulse 2.0](https://news.google.com/rss/articles/CBMihgFBVV95cUxOOFlMcHZYY1c5b2dmbVRDczZEZ01nNE4tVXZpY0JrcFpVOGhLV1dHeURqUnVEQmhSdU0tclJ4OE41R21yTEtfNGozb0FzT0ZScEd2aThhOFNHWU5EWFYyazNTWlI0b2JaNjZwUUdkMW8zUE95bTZyZXVBeWVLYmtuaGdXUHFpQdIBiwFBVV95cUxOZkRQdXM4UHFVY1ZIOTRmM3hyQUFzNVROSEJ0Vjh1dmtKVzA4eGJWblFuVXhTNGgtQWlWMGRTZFBQUU5VeGg1TVp6TjBOVkRCNnUtaXpGel9mVHNrdjZUTkllQm5yT1lFbmZhSkZ3bXpsdDdJMU9TM1VRTk16Z3hqc3JvSWRhd3F0c3lN?oc=5) · Pulse 2.0
- 2025-12-23 [Buyout of Vista Bank gets key regulatory approval - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQcTRfNExNdXRQcUVsQUhEekRkOVZmcDByNmEyWXJYODhnazExRUtnZHJHZTRKRHdnajdmQTlhNDFpbVhPRmdIekczaGFQQy1kTWtnd1VWZUVQTFpSQjdxM3FwTVBaZHdQTTlDbTRxemdEU2lDSXVpTUtTYVlwZndkZGlOVE5fZWFyM0dCN3RPeFBsQURTUlRNbDYyaEpwTG5aQ0Rn?oc=5) · The Business Journals
- 2025-09-15 [Vista Bank to be bought for $369 million - The Business Journals](https://news.google.com/rss/articles/CBMinwFBVV95cUxPRHdRMmEyNUVfWUFJY3poSXNBZ3RGM1NIUERhdERnNk9HUkpLb2NCZTR2M1dlVVNnQXlsZ0VrZmVpc1RrSUpOMEc5VWMxQi1CTkhXN3U2cmhYUzhORXdrUkF2SVdBQ0FENmc1SHhjTldkdVc1QkRaY0RxR1dqVF94UURVbGVIcmhoMVZRWnNuWFpXR3ZMR0RrQzFWSzlaaFU?oc=5) · The Business Journals
- 2023-07-25 [Updated: Vista Bank executives moving to the Crescent in Uptown - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxPbnFpNzhGR3VRa3dSZzFiWF9raGtHaXNQclBqOWEwUUd1QXpUZGlRUUszbzl4YnE0MzZsaFhXME5tLTY4ZXRQY3Q2REVjTVh2VGVlcHRDcDhielY0Yk83MjI3VGlQSm5OUHlHZ2dlVXBfWERZWVh6QmxMNGxVUkVSMGc0US1UcjlObmdOOVRBWnk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12308 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/20.json (key "12308", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide