In the system of a gravitating Q-ball, there is a maximum charge Qmax inevitably, while in flat spacetime there is no upper bound on Q in typical models such as the Affleck-Dine model. Theoretically the charge Q is a free parameter, and phenomenologically it could increase by charge accumulation. We address a question of what happens to Q-balls if Q is close to Qmax. First, without specifying a model, we show analytically that inflation cannot take place in the core of a Q-ball, contrary to the claim of previous work. Next, for the Affleck-Dine model, we analyze perturbation of equilibrium solutions with Q ≈ Qmax by numerical analysis of dynamical field equations. We find that the extremal solution with Q = Qmax and unstable solutions around it are "critical solutions", which means the threshold of black-hole formation.