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Charles Schwab Trust Bank

Westlake, TX · Cert 59108 · 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=143 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

69

Q2 2024Q2 2026peer median (50)

Asset Quality

No peer data yet

Profitability

65

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 Trust Bank

Westlake, TX · Cert 59108 · Charles Schwab Corp. the

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

Q2 2026

$10.5BAssets
$0KLoans
$9.7BDeposits
$808.6MEquity
Deposit mix
84%Interest-bearing $8.2B16%Noninterest $1.5BQ2 2025Q2 2026

NIM

2.59%Q2 ’242.56%Q2 ’252.61%Q2 ’26+14%+5%

Non-interest income vs. expense

0.94%Q2 ’240.97%Q2 ’250.89%Q2 ’26+12%-40%

Market Position · Dallas-Fort Worth-Arlington, TX · 2026 SOD (annual) · 1.3% share · #10 of 166 inst. · $9.7B of $732.8B

Executive Summary

  • Earnings: ROA of 2.05%, up 11 bps year over year; NIM at 2.37%.
  • Capital: tier 1 leverage ratio of 10.93%, down 139 bps from a year ago.
  • Funding: loans stand at 0.00% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

2.05%+11 bps YoY

Net Interest Margin (YTD, annualized)

2.37%+11 bps YoY

Efficiency Ratio (YTD, annualized)

25.44%-301 bps YoY

Tier 1 Leverage Ratio

10.93%-139 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.94%1.97%1.97%2.04%2.05%+11 bps
Return on Equity24.40%24.94%25.27%27.66%27.48%+309 bps
Net Interest Margin2.26%2.28%2.23%2.31%2.37%+11 bps
Efficiency Ratio28.45%27.79%27.05%27.24%25.44%-301 bps
Non-Interest Burden-0.17%-0.22%-0.24%-0.17%-0.24%-7 bps
Growth
Asset Growth (YoY)2.27%0.49%3.27%5.98%8.71%+644 bps
Loan Growth (YoY)n/an/an/an/an/an/an/a
Deposit Growth (YoY)2.64%2.42%3.64%6.78%9.28%+664 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio12.32%11.84%11.20%10.54%10.93%-139 bps
Total Risk-Based Capital86.30%82.80%85.96%79.59%79.60%-670 bps
Equity / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%0.00%0.00%0 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

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 Trust Bank

Westlake, TX · Cert 59108 · Peer group: banks over $10B in assets (n=143-144) · Charles Schwab Corp. the

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

Q2 2026

$10.5BAssets
$0KLoans
$9.7BDeposits
$808.6MEquity

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 99% of banks over $10B in assets (rank 1 of 144).
  • Widest gap: equity / assets trails 91% of banks over $10B in assets (rank 131 of 144).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

2.04%

Rank 13 of 144

Net Interest Margin

2.37%

Rank 129 of 144

Efficiency Ratio

25.44%

Rank 6 of 144

Equity / Assets

7.69%

Rank 131 of 144

Non-interest income vs. expense

$120.8M$95.2MINCOMEEXPENSE
Favorable gap of $25.6M · efficiency ratio beats 97% of banks over $10B in assets
Bank 25.44%Peer median 56.0%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets2.04%1.00%1.26%1.54%Beats 91%13 / 144
Return on Equity26.55%8.98%11.34%14.40%Beats 95%7 / 144
Net Interest Margin2.37%2.82%3.31%3.68%Beats 10%129 / 144
Efficiency Ratio25.44%49.42%56.02%62.41%Beats 97%6 / 144
Asset Quality
Nonperforming Loans / Loansn/aNot reported for this institution
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio79.60%12.07%12.98%14.92%Beats 99%1 / 144
Total Risk-Based Capital Ratio79.60%13.39%14.14%16.25%Beats 99%1 / 144
Equity / Assets7.69%9.69%11.39%12.96%Beats 9%131 / 144
Liquidity & Funding
Loans / Deposits0.00%75.72%84.92%91.56%0th pctl143 / 143
Loans / Assets0.00%59.83%69.07%74.80%0th pctl143 / 144
Brokered Deposits / Depositsn/aNot reported for this institution