Charles Schwab Bank, SSB
Total assets
$250.83B
▲ +1.3% YoY
Deposits
$225.25B
▲ +7.5% YoY
Loans
$67.24B
▲ +39.0% YoY
Offices
1
CHARLES SCHWAB CORP THE
ROA (annualized)
1.33%
peers 1.23%
ROE (annualized)
18.03%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.3% | +5.9% | -4.6 pts |
| Deposit growth (YoY) | +7.5% | +5.7% | +1.8 pts |
| Loan growth (YoY) | +39.0% | +6.9% | +32.1 pts |
| ROA | 1.33% | 1.23% | +0.1 pts |
| ROE | 18.0% | 11.2% | +6.8 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
Profile
- Established
- 2003
- Charter
- State
- Primary regulator
- FED
- Holding company
- CHARLES SCHWAB CORP THE
- Specialization
- Mortgage Lending Specialization
- Address
- 3000 Schwab Way, Westlake, TX, 76262
- County
- Denton
- Metro area
- Dallas-Fort Worth-Arlington, TX
- Offices
- 1
- FDIC cert #
- 57450
- RSSD ID
- 3150447
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $250.83B | $225.25B | $67.24B | $18.10B | $1.65B | 1.33% | 2.14% | 0.01% |
| Q1 2026 | $242.91B | $219.91B | $57.55B | $18.26B | $803.0M | 1.29% | 2.08% | 0.01% |
| Q4 2025 | $253.77B | $230.50B | $54.70B | $18.66B | $2.40B | 0.94% | 1.60% | 0.02% |
| Q3 2025 | $243.11B | $214.26B | $50.93B | $21.33B | $1.68B | 0.87% | 1.50% | 0.02% |
| Q2 2025 | $247.66B | $209.55B | $48.36B | $21.24B | $1.04B | 0.80% | 1.43% | 0.02% |
| Q1 2025 | $260.40B | $219.88B | $45.64B | $21.30B | $494.0M | 0.74% | 1.33% | 0.01% |
| Q4 2024 | $275.43B | $231.31B | $44.16B | $19.70B | $813.0M | 0.29% | 0.72% | 0.01% |
| Q3 2024 | $272.67B | $222.16B | $42.50B | $19.61B | $450.0M | 0.21% | 0.64% | 0.01% |
Loan mix (Q2 2026): real estate $33.20B · commercial $0 · consumer $18.0M · securities $159.01B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Charles Schwab Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.33% | 1.23% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 18.0% | 11.3% | 88th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.14% | 3.55% | 11th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 17.6% | 54.9% | 5th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Charles Schwab Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Charles Schwab Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Charles Schwab Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Charles Schwab Bank, SSB | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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