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Charter Bank

IDRSSD: 814458
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
84
/ 100
StrongAs of 2026-Q1QoQ -1

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2026-Q1

Bank #814458 2026-Q1 Vital Signs Score: 84/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Watch

Top 3 Watch Items

  1. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.9% (Adjusted NPL + Performing Mods denominator).
  2. info
    Cash / Assets below 3%
    Liquidity — Cash 2.94% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -7
  • Reserves
    ↑ +7

The five pillars

Liquidity

StrongQoQ 0
84
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 64.9%, cash 2.9% of assets.

Cash / Assets
2.94%
Loans / Deposits
64.92%
Brokered %
0.00%

Watch Items

  • infoCash / Assets below 3% — Cash 2.94% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 16.98%, CET1 16.98%, leverage 11.15%.

Tier 1 RBC
16.98%
CET1
16.98%
Leverage
11.15%
No watch items at this period.

Asset Quality

StableQoQ -7
78
Sub-score

Asset quality is stable: Adjusted NPL 1.87%, Texas Ratio 8.6%, NCO YTD 0.47%.

Adjusted NPL
1.87%
Govt-guarantees stripped
Texas Ratio
8.6%
NCO YTD
0.47%
30-89 PD
0.15%
Band 0.3% / 3.0%
90+ PD
0.84%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +7
53
Sub-score

Reserves are deteriorating: ALLL 1.87% of loans, coverage 101.8%, true coverage 46.9%.

ALLL / Loans
1.87%
Coverage
101.8%
True Loss Coverage
46.9%

Watch Items

  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.9% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 02:14:13 UTC