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
Unfavorable gap of $870.0M · efficiency ratio beats 97% 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 | 1.32% | 1.00% | 1.26% | 1.54% | Beats 56% | 63 / 144 | | |
| Return on Equity | 18.27% | 8.98% | 11.34% | 14.40% | Beats 88% | 18 / 144 | | |
| Net Interest Margin | 2.04% | 2.82% | 3.31% | 3.68% | Beats 8% | 133 / 144 | | |
| Efficiency Ratio | 17.57% | 49.42% | 56.02% | 62.41% | Beats 97% | 5 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.04% | 0.48% | 0.73% | 1.07% | Beats 99% | 3 / 142 | | |
| Net Charge-Offs / Loans | 0.00% | 0.05% | 0.11% | 0.22% | Beats 100% | 5 / 142 | | |
| Capital |
| Tier 1 Capital Ratio | 30.14% | 12.07% | 12.98% | 14.92% | Beats 94% | 8 / 144 | | |
| Total Risk-Based Capital Ratio | 30.19% | 13.39% | 14.14% | 16.25% | Beats 94% | 8 / 144 | | |
| Equity / Assets | 7.21% | 9.69% | 11.39% | 12.96% | Beats 6% | 136 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 29.87% | 75.72% | 84.92% | 91.56% | 3rd pctl | 139 / 143 | | |
| Loans / Assets | 26.82% | 59.83% | 69.07% | 74.80% | 4th pctl | 138 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |