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Charles Schwab Bank, SSB

Westlake, TX · Cert 57450 · 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

65

Q2 2024Q2 2026peer median (50)

Asset Quality

100

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

97

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 Bank, SSB

Westlake, TX · Cert 57450 · Charles Schwab Corp. the

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

Q2 2026

$250.8BAssets
$67.3BLoans
$225.2BDeposits
$18.1BEquity
Loan mix
100%RE $31.7B0%C&I $0.0B0%Consumer $0.0BQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $224.9B0%Noninterest $0.4BQ3 2024Q2 2026

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 30.7% share · #1 of 166 inst. · $225.2B of $732.8B

Executive Summary

  • Earnings: ROA of 1.33%, up 53 bps year over year; NIM at 2.04%.
  • Asset quality: problem loans at 0.04% of loans (-4 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 10.65%, down 151 bps from a year ago.
  • Funding: loans stand at 29.87% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.33%+53 bps YoY

Net Interest Margin (YTD, annualized)

2.04%+66 bps YoY

Efficiency Ratio (YTD, annualized)

17.57%-674 bps YoY

Tier 1 Leverage Ratio

10.65%-151 bps YoY

NIM

2.31%Q2 ’242.30%Q2 ’252.36%Q2 ’26+123%+48%

Non-interest income vs. expense

0.34%Q2 ’240.34%Q2 ’250.36%Q2 ’26-3%+5%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.21%0.29%0.74%0.80%0.87%0.94%1.29%1.33%+53 bps
Return on Equity3.44%4.54%9.64%10.03%10.72%11.76%17.40%18.03%+800 bps
Net Interest Margin0.61%0.71%1.27%1.37%1.47%1.58%1.99%2.04%+66 bps
Efficiency Ratio55.37%48.16%25.95%24.32%23.12%21.49%17.98%17.57%-674 bps
Non-Interest Burden0.33%0.34%0.32%0.33%0.33%0.33%0.34%0.34%+2 bps
Growth
Asset Growth (YoY)-9.66%-9.56%-9.17%-9.55%-10.84%-7.86%-6.72%1.28%+1,083 bps
Loan Growth (YoY)6.11%10.16%13.64%16.46%19.83%23.88%26.12%39.06%+2,260 bps
Deposit Growth (YoY)-12.36%-10.20%-7.72%-6.46%-3.56%-0.35%0.01%7.49%+1,396 bps
Asset Quality
Nonperforming Loans / Loans0.06%0.08%0.07%0.08%0.08%0.08%0.06%0.04%-4 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio11.19%11.61%12.15%12.16%12.41%11.12%10.90%10.65%-151 bps
Total Risk-Based Capital40.58%41.73%43.40%42.01%40.84%35.98%34.03%30.19%-1,182 bps
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits19.14%19.10%20.76%23.09%23.78%23.75%26.19%29.87%+678 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/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 Bank, SSB

Westlake, TX · Cert 57450 · 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

$250.8BAssets
$67.3BLoans
$225.2BDeposits
$18.1BEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks over $10B in assets (rank 5 of 142).
  • Widest gap: equity / assets trails 94% of banks over $10B in assets (rank 136 of 144).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.32%

Rank 63 of 144

Net Interest Margin

2.04%

Rank 133 of 144

Efficiency Ratio

17.57%

Rank 5 of 144

Equity / Assets

7.21%

Rank 136 of 144

Non-interest income vs. expense

$48.0M$918.0MINCOMEEXPENSE
Unfavorable gap of $870.0M · efficiency ratio beats 97% of banks over $10B in assets
Bank 17.57%Peer median 56.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.32%1.00%1.26%1.54%Beats 56%63 / 144
Return on Equity18.27%8.98%11.34%14.40%Beats 88%18 / 144
Net Interest Margin2.04%2.82%3.31%3.68%Beats 8%133 / 144
Efficiency Ratio17.57%49.42%56.02%62.41%Beats 97%5 / 144
Asset Quality
Nonperforming Loans / Loans0.04%0.48%0.73%1.07%Beats 99%3 / 142
Net Charge-Offs / Loans0.00%0.05%0.11%0.22%Beats 100%5 / 142
Capital
Tier 1 Capital Ratio30.14%12.07%12.98%14.92%Beats 94%8 / 144
Total Risk-Based Capital Ratio30.19%13.39%14.14%16.25%Beats 94%8 / 144
Equity / Assets7.21%9.69%11.39%12.96%Beats 6%136 / 144
Liquidity & Funding
Loans / Deposits29.87%75.72%84.92%91.56%3rd pctl139 / 143
Loans / Assets26.82%59.83%69.07%74.80%4th pctl138 / 144
Brokered Deposits / Depositsn/aNot reported for this institution