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Charles Schwab Premier Bank, SSB

Westlake, TX · Cert 33497 · Charles Schwab Corp. the

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks over $10B in assets3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

69

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

58

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

99

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Charles Schwab Premier Bank, SSB

Westlake, TX · Cert 33497 · Charles Schwab Corp. the

State charter, Fed member · FED · 2 affiliate banks · 1 branch (3 in holding)

Q2 2026

$26.6BAssets
$1.0MLoans
$24.5BDeposits
$2.1BEquity
Deposit mix
100%Interest-bearing $24.5B0%Noninterest $0.0BQ2 2025Q2 2026

NIM

2.23%Q2 ’242.25%Q2 ’252.36%Q2 ’26+58%+9%

Non-interest income vs. expense

0.29%Q2 ’240.33%Q2 ’250.34%Q2 ’26+14%+4%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 3.3% share · #4 of 166 inst. · $24.5B of $732.8B

Executive Summary

  • Earnings: ROA of 1.52%, up 8 bps year over year; NIM at 2.31%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.90%, down 226 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.52%+8 bps YoY

Net Interest Margin (YTD, annualized)

2.31%+19 bps YoY

Efficiency Ratio (YTD, annualized)

14.86%-72 bps YoY

Tier 1 Leverage Ratio

10.90%-226 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.43%1.45%1.47%1.50%1.52%+8 bps
Return on Equity16.25%16.51%17.28%20.23%20.07%+382 bps
Net Interest Margin2.12%2.20%2.17%2.30%2.31%+19 bps
Efficiency Ratio15.58%15.55%15.30%14.65%14.86%-72 bps
Non-Interest Burden0.33%0.34%0.33%0.34%0.34%+1 bps
Growth
Asset Growth (YoY)-4.15%-2.49%2.08%8.63%8.77%+1,293 bps
Loan Growth (YoY)179.83%180.04%178.07%105.29%-99.96%-27,979 bps
Deposit Growth (YoY)9.83%5.85%3.81%10.83%10.25%+41 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio13.16%12.99%11.50%11.16%10.90%-226 bps
Total Risk-Based Capital54.49%48.98%42.00%37.38%49.32%-517 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits10.38%12.58%13.95%14.24%0.00%-1,038 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Charles Schwab Premier Bank, SSB

Westlake, TX · Cert 33497 · Peer group: banks over $10B in assets (n=142-144) · Charles Schwab Corp. the

State charter, Fed member · FED · 2 affiliate banks · 1 branch (3 in holding)

Q2 2026

$26.6BAssets
$1.0MLoans
$24.5BDeposits
$2.1BEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks over $10B in assets (rank 1 of 142).
  • Widest gap: equity / assets trails 90% of banks over $10B in assets (rank 130 of 144).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.54%

Rank 36 of 144

Net Interest Margin

2.31%

Rank 130 of 144

Efficiency Ratio

14.86%

Rank 3 of 144

Equity / Assets

7.88%

Rank 130 of 144

Non-interest income vs. expense

$0.0M$96.0MINCOMEEXPENSE
Unfavorable gap of $96.0M · efficiency ratio beats 99% of banks over $10B in assets
Bank 14.86%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.54%1.00%1.26%1.54%Beats 75%36 / 144
Return on Equity19.57%8.98%11.34%14.40%Beats 90%14 / 144
Net Interest Margin2.31%2.82%3.31%3.68%Beats 10%130 / 144
Efficiency Ratio14.86%49.42%56.02%62.41%Beats 99%3 / 144
Asset Quality
Nonperforming Loans / Loans0.00%0.48%0.73%1.07%Beats 100%1 / 142
Net Charge-Offs / Loans0.00%0.05%0.11%0.22%Beats 100%5 / 142
Capital
Tier 1 Capital Ratio49.32%12.07%12.98%14.92%Beats 98%3 / 144
Total Risk-Based Capital Ratio49.32%13.39%14.14%16.25%Beats 98%3 / 144
Equity / Assets7.88%9.69%11.39%12.96%Beats 10%130 / 144
Liquidity & Funding
Loans / Deposits0.00%75.72%84.92%91.56%1st pctl142 / 143
Loans / Assets0.00%59.83%69.07%74.80%1st pctl142 / 144
Brokered Deposits / Depositsn/aNot reported for this institution