TX lenders / Community Bank
Charter Bank
Community Bank · Corpus Christi, TX · Charter Bancshares Inc
- Total assets
- $292.7M
- CRE loan book
- $110.8M
- QoQ CRE growth
- -0.8%
- Q1 2026
Recorded CRE activity — nueces County
3 commercial deeds of trust recorded recently, verified from county records.
- Jul 2, 2026 · unknownundisclosed
- Jul 2, 2026 · unknownundisclosed
- Jun 30, 2026 · unknownundisclosed
Observed rates
Book yield — real-estate loans
Implied yield on the existing real-estate loan book: 9.11% as of Q1 2026 — TX bank median 6.76% (2.35pp above median).
| Quarter | RE loan yield | All loans & leases |
|---|---|---|
| Q1 2026 | 9.11% | 9.26% |
| Q4 2025 | 9.16% | 9.21% |
| Q3 2025 | 9.28% | 9.46% |
| Q2 2025 | 9.03% | 9.34% |
| Q1 2025 | 8.98% | 9.18% |
| Q4 2024 | 9.25% | 9.41% |
| Q3 2024 | 9.32% | 9.60% |
| Q2 2024 | 9.15% | 9.49% |
What their existing real-estate book earns — an anchor for where new money gets priced. Source: FFIEC Call Reports.
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CRE book — quarterly trend (FFIEC Call Reports)
| Quarter | CRE loans | Construction | Multifamily | Concentration | Nonaccrual CRE |
|---|---|---|---|---|---|
| Q1 2026 | $110.8M | $42.2M | $166,000 | 290% | $0 |
| Q4 2025 | $111.7M | $44.3M | $169,000 | 283% | $0 |
| Q3 2025 | $116.7M | $46.6M | $171,000 | 294% | $0 |
| Q2 2025 | $120.5M | $50.9M | $174,000 | 296% | $0 |
| Q1 2025 | $118.6M | $54.0M | $176,000 | 291% | $0 |
| Q4 2024 | $121.9M | $56.3M | $179,000 | 297% | $0 |
| Q3 2024 | $117.5M | $54.2M | $181,000 | 286% | $0 |
| Q2 2024 | $117.5M | $61.7M | $183,000 | 289% | $0 |
Charter Bank: frequently asked questions
- How large is Charter Bank's commercial real estate loan book?
- As of Q1 2026, Charter Bank reported $110.8M in commercial real estate loans out of $292.7M in total assets, per its FFIEC Call Report.
- Is Charter Bank above the 300% CRE concentration guideline?
- Charter Bank's CRE loans stood at 290% of total risk-based capital as of Q1 2026, below the 300% CRE concentration supervisory guideline.
- Is Charter Bank growing or shrinking its CRE lending?
- Charter Bank's CRE loan book shrank 0.8% quarter-over-quarter as of Q1 2026 — a net balance change that reflects payoffs and sales as well as new originations.
- How active is Charter Bank in recorded CRE lending?
- 3 commercial deeds of trust naming Charter Bank as lender have been recorded recently in nueces County, verified from county records; the most recent was recorded Jul 2, 2026.
Answers generated from the verified data on this page — FFIEC Call Reports, county records, and first-party conversations — as of the dates shown.
Similar lenders
Other community banks we track with a comparable CRE book size.
- Town & Country BankCommunity Bank · Salem · $110.8M CRE book
- Union BankCommunity Bank · Mena · $110.6M CRE book
- Heritage Community BankCommunity Bank · Union · $111.1M CRE book
- Five Points Bank of HastingsCommunity Bank · Hastings · $110.5M CRE book
- Kentland BankCommunity Bank · Kentland · $110.2M CRE book
Last updated Jul 2, 2026 · Sources: FFIEC CDR, county records, first-party conversations.