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
Unfavorable gap of $96.0M · efficiency ratio beats 99% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 1.00% | 1.26% | 1.54% | Beats 75% | 36 / 144 | | |
| Return on Equity | 19.57% | 8.98% | 11.34% | 14.40% | Beats 90% | 14 / 144 | | |
| Net Interest Margin | 2.31% | 2.82% | 3.31% | 3.68% | Beats 10% | 130 / 144 | | |
| Efficiency Ratio | 14.86% | 49.42% | 56.02% | 62.41% | Beats 99% | 3 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.48% | 0.73% | 1.07% | Beats 100% | 1 / 142 | | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.11% | 0.22% | Beats 100% | 5 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 49.32% | 12.07% | 12.98% | 14.92% | Beats 98% | 3 / 144 | | |
| Total Risk-Based Capital Ratio | 49.32% | 13.39% | 14.14% | 16.25% | Beats 98% | 3 / 144 | | |
| Equity / Assets | 7.88% | 9.69% | 11.39% | 12.96% | Beats 10% | 130 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 75.72% | 84.92% | 91.56% | 1st pctl | 142 / 143 | | |
| Loans / Assets | 0.00% | 59.83% | 69.07% | 74.80% | 1st pctl | 142 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |