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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 2.02% | 1.91% | 1.98% | 2.05% | 2.01% | 2.04% | 2.07% | +10 bps | |
| Return on Equity | 19.29% | 23.47% | 24.20% | 24.48% | 25.82% | 26.56% | 27.66% | 27.52% | +303 bps | |
| Net Interest Margin | 1.95% | 2.15% | 2.21% | 2.22% | 2.26% | 2.33% | 2.31% | 2.39% | +17 bps | |
| Efficiency Ratio | 30.67% | 27.00% | 29.70% | 27.16% | 26.50% | 24.96% | 27.24% | 23.67% | -349 bps | |
| Non-Interest Burden | -0.21% | -0.28% | -0.11% | -0.23% | -0.30% | -0.32% | -0.17% | -0.30% | -8 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -15.87% | -1.17% | -3.40% | 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 | n/a | n/a | n/a |
| Deposit Growth (YoY) | -20.10% | -2.26% | -4.17% | 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 | n/a | n/a | n/a |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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 | 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 | 14.46% | 12.81% | 12.19% | 12.32% | 11.84% | 11.20% | 10.54% | 10.93% | -139 bps | |
| Total Risk-Based Capital | 98.11% | 89.77% | 86.92% | 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 | n/a | n/a | n/a |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 0.00% | 0.00% | 0.00% | 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% | 0.00% | 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 |