Westlake, TX · Cert 59108 · 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) · 1.3% share · #10 of 166 inst. · $9.7B 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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.94% | 1.97% | 1.97% | 2.04% | 2.05% | +11 bps | |
| Return on Equity | 24.40% | 24.94% | 25.27% | 27.66% | 27.48% | +309 bps | |
| Net Interest Margin | 2.26% | 2.28% | 2.23% | 2.31% | 2.37% | +11 bps | |
| Efficiency Ratio | 28.45% | 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/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Deposit Growth (YoY) | 2.64% | 2.42% | 3.64% | 6.78% | 9.28% | +664 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 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 |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.32% | 11.84% | 11.20% | 10.54% | 10.93% | -139 bps | |
| Total Risk-Based Capital | 86.30% | 82.80% | 85.96% | 79.59% | 79.60% | -670 bps | |
| Equity / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Liquid Assets / Assets | 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 |