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
Favorable gap of $25.6M · 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 | 2.04% | 1.00% | 1.26% | 1.54% | Beats 91% | 13 / 144 | | |
| Return on Equity | 26.55% | 8.98% | 11.34% | 14.40% | Beats 95% | 7 / 144 | | |
| Net Interest Margin | 2.37% | 2.82% | 3.31% | 3.68% | Beats 10% | 129 / 144 | | |
| Efficiency Ratio | 25.44% | 49.42% | 56.02% | 62.41% | Beats 97% | 6 / 144 | | |
| Asset Quality |
| Nonperforming Loans / Loans | n/a | Not reported for this institution |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 79.60% | 12.07% | 12.98% | 14.92% | Beats 99% | 1 / 144 | | |
| Total Risk-Based Capital Ratio | 79.60% | 13.39% | 14.14% | 16.25% | Beats 99% | 1 / 144 | | |
| Equity / Assets | 7.69% | 9.69% | 11.39% | 12.96% | Beats 9% | 131 / 144 | | |
| Liquidity & Funding |
| Loans / Deposits | 0.00% | 75.72% | 84.92% | 91.56% | 0th pctl | 143 / 143 | | |
| Loans / Assets | 0.00% | 59.83% | 69.07% | 74.80% | 0th pctl | 143 / 144 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |