CHARTER BANCSHARES INC is the parent banking group. CHARTER BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

CHARTER BANCSHARES INC

Legal name: CHARTER BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $293M combined assets

RSSD ID: 2963556 (FFIEC NIC)

Combined Assets

$293M

CRA Rating Summary

Satisfactory1charter

Across all 11 exams on record for this banking group's charters, 82% resulted in Outstanding or Satisfactory.

Primary bankCHARTER BANKCORPUS CHRISTI, TXSatisfactory$293MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$293M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$266M

Net Income

$2M

ROA (avg)

2.41%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

118

Origination Rate

83.9%

Denial Rate

10.17%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
CHARTER BANK	CORPUS CHRISTI, TX	FDIC	$293M	100.0%	Satisfactory	Nov 2020

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.