# CHARTER BANK
CORPUS CHRISTI, TX · FDIC certificate 18660 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 5 (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 | $292.3M | |
| Deposits | $265.2M | |
| Loans and leases | $167.5M | |
| Total equity | $24.3M | |
| Loans / deposits | 61.88% (p33 of band) | 73.59% |
| Liquid assets / assets | 42.14% (p67 of band) | |
| Uninsured deposits / deposits | 41.02% (p93 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.30% (p43 of band) | 11.76% |
| Unrealized securities loss / equity | -40.75% (p9 of band) | -6.57% |
| AOCI / equity | 3.28% (p99 of band) | |
| ROA (annualized) | 2.29% (p91 of band) | 1.17% |
| Net interest margin | 5.56% (p96 of band) | 3.93% |
| Efficiency ratio | 48.68% (p12 of band) | |
| Noncurrent loans | 2.78% (p91 of band) | 0.36% |
| Net charge-offs (annualized) | 0.21% (p92 of band) | |
| Reserve coverage of noncurrent | 73.39% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 164.00% (p99 of band) | |
| Auto loans | $337,000 (0.20% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $10.2M (42% of equity) (p100 of band) | |
| Deposits YoY | 2.8% | |
| Employees | 50 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | leverage <7%, capital falling | construction >100% equity |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 2 | construction >100% equity |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 3 | deposits shrinking |  |
| 2013-09 | 2 |  | deposits shrinking |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 3 | capital falling |  |
| 2015-03 | 2 |  | capital falling |
| 2015-06 | 2 |  |  |
| 2015-09 | 3 | reserve under noncurrent |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 5 | charge-offs p90, deposits shrinking |  |
| 2016-06 | 3 |  | leverage <7%, charge-offs p90 |
| 2016-09 | 5 | assets shrinking, uninsured deposits leaving |  |
| 2016-12 | 4 |  | reserve under noncurrent |
| 2017-03 | 4 |  |  |
| 2017-06 | 4 |  |  |
| 2017-09 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2017-12 | 1 |  |  |
| 2018-03 | 2 | reserve under noncurrent |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | reserve under noncurrent |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | capital falling |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, assets shrinking |  |
| 2022-06 | 4 | securities losses >30% of equity |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 3 |  | assets shrinking |
| 2023-03 | 3 | charge-offs p90 | AOCI drag >20% of equity |
| 2023-06 | 3 | deposits shrinking | charge-offs p90 |
| 2023-09 | 4 | uninsured deposits leaving |  |
| 2023-12 | 4 | assets shrinking | uninsured deposits leaving |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | deposits shrinking |
| 2024-09 | 3 | capital falling | assets shrinking |
| 2024-12 | 2 |  | capital falling |
| 2025-03 | 3 | assets shrinking |  |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 3 | capital falling |  |
| 2025-12 | 3 | reserve under noncurrent | capital falling |
| 2026-03 | 3 | charge-offs p90 | reserve under noncurrent |
| 2026-06 | 5 | noncurrent p90, reserve under noncurrent |  |

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

- 2026-02-10 [Bank Charters Are Reshaping Who Can Compete for Consumer Deposits - PYMNTS.com](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOZFVtY01NS3RKRGwzeUtPSXVCc0hqMnN3WFpCeHNuWkI2aFV3SUZ6T3VPVzdUdmo2cVZ5S3dtdUxXQ0NYN05UVEEzai0zVTRrRHBmNEdfRFE2NEFfUHdsS2xmVk9WR0NDMlJ4ampsdkE4Z2lla293NFVpV2xNNnJzSXhLN1QwNzh2SXI5cmYxbjh6d01KRE5VbXF4cFRIdHJYWHNiZkt0dUs?oc=5) · PYMNTS.com
- 2025-02-04 [The Fiscal Impact of Credit Unions Purchasing Bank Assets - commonsenseinstituteus.org](https://news.google.com/rss/articles/CBMixAFBVV95cUxPbzZ6aHBNZklIRUJXUXN5ZHlmNnlWUkNrZjlQaGJOOTVrVjg5XzBUV3pvcWlxTzFGb3F5bW81YWt6MHp4aGp0ZkVxZms2QVo3T180bW5BdE9kclByQkRYTFJ2ZlluU0pxdHZMbkc5clQ2VE5IcnpVV2FaN041dnlyWk9mbm9iUTZ2dFh2MU9IVGhhMGhnVVVjTlNWMUV2ejdjSkxoNG1KWHVobUhFZm9XN0p3dWt4czFNU3dFZE0xcGdGVEho?oc=5) · commonsenseinstituteus.org
- 2024-04-18 [Southwest Bancshares, Inc., Announces Texas Partners Bank as the Regional Bank Brand - Business Wire](https://news.google.com/rss/articles/CBMi1gFBVV95cUxQb0VrWHVjemhSU1lQOEV6dXpYaERLVjJPU25QQUpKY0N1UDRxcnJxamFjTXlLTzMwbTFySjB1UEwtQ284ZzBRWHRSS3A3Ukt6VWFGSEVzUnJUdFBfTUc3QmFjSzdQTjJjaFhnVDBZcFZWUXBNYzNxR1BrbDB6clBpUlZEX2NxMnpIYjZ3UGVzdlhENDFLeGtCOERSX2NOQ0JBUHFJaFN2R3hfMXdxUEgtRmNXaXR3ZDMzTkt1Y2pvTDNOaTZEOFlnVmhpdlNaamVpcVBwM2RR?oc=5) · Business Wire
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-03-03 [The MINT National Bank's 15-year anniversary celebrations include major expansion, technological innovations - Community Impact](https://news.google.com/rss/articles/CBMi3gFBVV95cUxQTXM1WVNtTy10ZXc2aTRkdDlxNE9JYmtoTjlDb2oxcE5hcTczNjZ0QkRqS1RLUmRGM3ZIVlZzelc3NzctX1dMVWVLRWpLNjNRR3F0RVAwTWhKVWtNUmRjbnVLdHJwTjZRamVYRDhIMjVlOXNMVkJDQ0s4R3FOOWM2MXFYb2JOTGI2cTdTV1BpVHRhZ3M0MGhYbzRUNlVsekRKdlNrNjVnR1VZU3d4WjRSZDdSejlud2Jla2hzRGdJeE9uajlJTWR1c1BER3IyeFlnN3l4NHpNMnBINEg5dVE?oc=5) · Community Impact
- 2025-01-06 [Missing in Houston: Who was the young woman found outside a Houston office in 1989? - Click2Houston](https://news.google.com/rss/articles/CBMizwFBVV95cUxPUmVjbGRsYTViRU44N1dHYnJHdE1ORHJ6ZEZ0YzRUTEdaQWtkWG1VNFVLaE5JZkVpRDJ6bElCdXloem43dEFIWVBZVF9ZMGY3dVdrVnlRc3IwaG9VTHh4ODgxaEhwRFlsYnZkcG1lOUlUSVZPdW9WODZOQ2IyaFRRWW12cTFMTWJXTkNQRW9EWmZ6ZWtCUlE1ZUplcXNJUmFrNERETER2S3JyTC1QTHotY0lQdzlDcktlSzlONlRxWlRlUnpIMWNzYXN0YW5UckU?oc=5) · Click2Houston
- 2021-04-21 [Karen Hayden Obituary - Corpus Christi, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxOWjYycDZ5bjVCaElhWWtvaDdmbWsxcHJ5dlpaZThnMFRZRmI1T09zVHpZcHZTTkh3aWhSQnBNci1DVDduNGtkRUdLZnE4TkU4RmV5RUx6RXdsZU1ycXYyWlZzUTVwam11MUp2Y0Q3OVNZZnNtRWVWUU9HY3ZFOU04NUswRlY3OWItVUE?oc=5) · Dignity Memorial
- 2016-02-03 [Jerry Finger Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTFBOS2JmdUhUSHU5eDFTT2EtaThHaU5ZNVlHQmQ5UjBESERBVTZLald4bWg1bWFlZDg4bGVCcHRDeGpnY05yd0ZZSHpra056bnpxaWtsWldaa1NNWnpMZVVBb09MN3BWZ3RsRlI0YnUyV1E1cHl5OWFkeTdMa01CdGc?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=18660 (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/36.json (key "18660", 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