Westlake, TX · Cert 33497 · Charles Schwab Corp. the
State charter, Fed member · FED · 2 affiliate banks · 1 branch (3 in holding)
Q2 2026
Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 3.3% share · #4 of 166 inst. · $24.5B of $732.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.75% | 1.09% | 1.35% | 1.53% | 1.50% | 1.55% | 1.50% | 1.53% | 0 bps | |
| Return on Equity | 9.88% | 13.53% | 15.49% | 16.66% | 16.95% | 19.43% | 20.23% | 19.93% | +327 bps | |
| Net Interest Margin | 1.22% | 1.69% | 2.02% | 2.18% | 2.24% | 2.37% | 2.30% | 2.37% | +19 bps | |
| Efficiency Ratio | 25.30% | 18.42% | 15.67% | 15.49% | 15.49% | 14.65% | 14.65% | 15.06% | -43 bps | |
| Non-Interest Burden | 0.31% | 0.31% | 0.32% | 0.34% | 0.35% | 0.35% | 0.34% | 0.36% | +2 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.68% | -4.60% | -2.96% | -4.15% | -2.49% | 2.08% | 8.63% | 8.77% | +1,293 bps | |
| Loan Growth (YoY) | 129.15% | 128.42% | 170.05% | 179.83% | 180.04% | 178.07% | 105.29% | -99.96% | -27,979 bps | |
| Deposit Growth (YoY) | 5.43% | 3.31% | 3.72% | 9.83% | 5.85% | 3.81% | 10.83% | 10.25% | +41 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.72% | 13.12% | 13.65% | 13.16% | 12.99% | 11.50% | 11.16% | 10.90% | -226 bps | |
| Total Risk-Based Capital | 58.25% | 59.91% | 61.67% | 54.49% | 48.98% | 42.00% | 37.38% | 49.32% | -517 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 4.76% | 5.21% | 7.68% | 10.38% | 12.58% | 13.95% | 14.24% | 0.00% | -1,038 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |