Westlake, TX · Cert 57450 · 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) · 30.7% share · #1 of 166 inst. · $225.2B of $732.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.21% | 0.29% | 0.74% | 0.80% | 0.87% | 0.94% | 1.29% | 1.33% | +53 bps | |
| Return on Equity | 3.44% | 4.54% | 9.64% | 10.03% | 10.72% | 11.76% | 17.40% | 18.03% | +800 bps | |
| Net Interest Margin | 0.61% | 0.71% | 1.27% | 1.37% | 1.47% | 1.58% | 1.99% | 2.04% | +66 bps | |
| Efficiency Ratio | 55.37% | 48.16% | 25.95% | 24.32% | 23.12% | 21.49% | 17.98% | 17.57% | -674 bps | |
| Non-Interest Burden | 0.33% | 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 / Loans | 0.06% | 0.08% | 0.07% | 0.08% | 0.08% | 0.08% | 0.06% | 0.04% | -4 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 | 11.19% | 11.61% | 12.15% | 12.16% | 12.41% | 11.12% | 10.90% | 10.65% | -151 bps | |
| Total Risk-Based Capital | 40.58% | 41.73% | 43.40% | 42.01% | 40.84% | 35.98% | 34.03% | 30.19% | -1,182 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 | 19.14% | 19.10% | 20.76% | 23.09% | 23.78% | 23.75% | 26.19% | 29.87% | +678 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 |