BlastPoint's Banking Scorecard
Charter Bank
Micro
Specialty: Commercial
TX
FDIC cert 18660
Designations: ✓ Community bank
Corpus Christi, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Charter Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.65% above tier
- + Net Interest Margin 1.72% above tier
- + Non-Interest-Bearing Deposit Share 20.59% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$290.3M
-3.4% YoY
-3.7% QoQ
|
+$72.8M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$169.8M
-9.3% YoY
-2.9% QoQ
|
+$30.6M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$262.5M
+6.8% YoY
-4.3% QoQ
|
+$78.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
2.74%
-1.6% YoY
-0.9% QoQ
|
+1.65% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
5.58%
-0.2% YoY
+0.9% QoQ
|
+1.72% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
54.59%
+1.3% YoY
+1.2% QoQ
|
-13.13% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
1.76%
+20.9% QoQ
|
+1.12% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
64.68%
-15.1% YoY
+1.5% QoQ
|
-9.84% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
42.98%
-2.4% YoY
-5.0% QoQ
|
+20.59% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
1.08%
+27.8% QoQ
|
+0.62% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
16.96%
+8.0% YoY
+1.5% QoQ
|
+8.11% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.69%
+2.5% YoY
+36.4% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.58%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
42.98%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Return on Assets
Current: 2.74% · Tier avg: 1.08%
96
96th pctile
Net Interest Margin
Current: 5.58% · Tier avg: 3.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.98% · Tier avg: 22.39%
83
83th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
82
82th pctile
Efficiency Ratio
Current: 54.59% · Tier avg: 67.73%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.96% · Tier avg: 8.85%
74
74th pctile
Total Deposits
Current: $262.5M · Tier avg: $183.7M
70
70th pctile
Total Assets
Current: $290.3M · Tier avg: $217.5M
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.68% · Tier avg: 74.53%
66
66th pctile
Total Loans
Current: $169.8M · Tier avg: $139.2M
18
18th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.76% · Tier avg: 0.64%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.76% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.08% · Tier avg: 0.45%
66
66th pctile
Total Loans
Current: $169.8M · Tier avg: $139.2M
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.68% · Tier avg: 74.53%
70
70th pctile
Total Assets
Current: $290.3M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $262.5M · Tier avg: $183.7M
79
79th pctile
Tier 1 Capital Ratio
Current: 16.96% · Tier avg: 8.85%
82
82th pctile
Efficiency Ratio
Current: 54.59% · Tier avg: 67.73%
83
83th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 42.98% · Tier avg: 22.39%
96
96th pctile
Net Interest Margin
Current: 5.58% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.74% · Tier avg: 1.08%