PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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