$243B
−6.7%y/y
Percentile by value46th percentileby value
FDIC
ASSETCS
Charles Schwab Bank, SSB
Westlake, TexasFDIC Cert #57450
STATEEstablished 20031 branch
Holding company: CHARLES SCHWAB CORP THERegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportCharles Schwab Bank, SSB reported $243B in total assets. Deposits grew 0.01% over the prior year.
Return on assets was 1.29%, compared with the official FFIEC UBPR peer median of 1.12%. The leverage ratio was 10.90%.
- Why is Efficiency Ratio below its official FFIEC UBPR peers?
- Why is Noncurrent Loan Ratio below its official FFIEC UBPR peers?
- Why is CRE Concentration to Capital below its official FFIEC UBPR peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$220B
+0.0%y/y
Percentile by value50th percentileby value
FDIC
DEP$57.5B
+26.1%y/y
Percentile by value14th percentileby value
FDIC
LNLSNET1.29%
+56 bpsy/y
Peer standing79th percentile
FDIC
NETINC + ROA17.98%
−797 bpsy/y
Peer standing100th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.90%
−125 bpsy/y
Peer standing82nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 29 ffiec ubpr peer group 1 — insured commercial banks having assets greater than $100 billion.
Side-by-side comparison
Charles Schwab Bank, SSB beside its official FFIEC UBPR peers
The primary option is the peer group FFIEC assigned to this bank. The state option is FFIEC’s supplemental state group. Each pair uses the published FFIEC trimmed average when its formula matches the site registry; otherwise it uses a clearly labeled registry median within the same official membership.
UBPR membership + Call Report metricsThis bank
1.29%
Registry median
1.12%
This bank
17.40%
FFIEC trimmed average
11.36%
This bank
2.08%
Registry median
3.09%
This bank
17.98%
Registry median
55.49%
This bank
+0.01%
FFIEC trimmed average
+9.00%
This bank
+26.10%
FFIEC trimmed average
+13.44%
This bank
0.06%
FFIEC trimmed average
0.84%
This bank
10.90%
FFIEC trimmed average
9.29%
This bank
0.38%
Registry median
2.78%
This bank
0%
Registry median
55%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
This bank
1.29%
Registry median
1.40%
This bank
17.40%
FFIEC trimmed average
13.34%
This bank
2.08%
Registry median
4.08%
This bank
17.98%
Registry median
60.91%
This bank
+0.01%
FFIEC trimmed average
+6.33%
This bank
+26.10%
FFIEC trimmed average
+6.25%
This bank
0.06%
FFIEC trimmed average
0.61%
This bank
10.90%
FFIEC trimmed average
11.78%
This bank
0.38%
Registry median
2.39%
This bank
0%
Registry median
176%
FFIEC averages are the regulator-published values after excluding the top and bottom 5%. Where the registered metric formula differs from UBPR, the comparison uses the median of reported registry values within the official FFIEC membership and labels it accordingly. Neither basis rates, ranks, or predicts the bank. Missing values remain Not reported.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $358B | $327B |
| Q3 2021 | $379B | $349B |
| Q4 2021 | $421B | $393B |
| Q1 2022 | $435B | $413B |
| Q2 2022 | $408B | $389B |
| Q3 2022 | $361B | $350B |
| Q4 2022 | $349B | $326B |
| Q1 2023 | $347B | $292B |
| Q2 2023 | $329B | $272B |
| Q3 2023 | $302B | $253B |
| Q4 2023 | $305B | $258B |
| Q1 2024 | $287B | $238B |
| Q2 2024 | $274B | $224B |
| Q3 2024 | $273B | $222B |
| Q4 2024 | $275B | $231B |
| Q1 2025 | $260B | $220B |
| Q2 2025 | $248B | $210B |
| Q3 2025 | $243B | $214B |
| Q4 2025 | $254B | $230B |
| Q1 2026 | $243B | $220B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $31.7B |
| C&I | $0 |
| Agriculture | $0 |
| Other | $25.9B |
FFIEC UBPR comparison
How this bank compares
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.29%79th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.80%Median 1.12%90th 1.34%Observations 29
ROE
FDIC
NETINC + ROE17.40%90th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 7.28%Median 11.72%90th 16.79%Observations 29
NIM
FDIC
NIM + NIMY2.08%29th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 1.67%Median 3.09%90th 3.74%Observations 29
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR17.98%100th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 34.88%Median 55.49%90th 68.00%Observations 29
Deposits YoY
FDIC
DEP+0.01%26th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.82%Median +5.99%90th +35.23%Observations 29
Loans YoY
FDIC
LNLSNET+26.10%83rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +1.41%Median +8.49%90th +43.22%Observations 29
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.06%3rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.19%Median 0.89%90th 1.45%Observations 29
Leverage
FDIC
RBC1AAJ10.90%80th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 6.94%Median 9.58%90th 11.19%Observations 29
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.38%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.11%Median 2.78%90th 4.85%Observations 29
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 14%Median 55%90th 103%Observations 29
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
UnfavorableFavorableDirectional metrics only; neutral metrics use blue.
ROA
FDIC
NETINC + ROA1.29%43rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.55%Median 1.40%90th 2.32%Observations 329
ROE
FDIC
NETINC + ROE17.40%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.84%Median 13.19%90th 22.30%Observations 329
NIM
FDIC
NIM + NIMY2.08%1st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.88%Median 4.08%90th 5.04%Observations 329
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR17.98%99th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 41.82%Median 60.91%90th 83.34%Observations 329
Deposits YoY
FDIC
DEP+0.01%22nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.62%Median +5.17%90th +21.38%Observations 329
Loans YoY
FDIC
LNLSNET+26.10%91st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.05%Median +4.67%90th +22.28%Observations 328
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.06%27th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.32%90th 2.27%Observations 328
Leverage
FDIC
RBC1AAJ10.90%43rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.41%Median 11.35%90th 15.75%Observations 329
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.38%99th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.46%Median 2.39%90th 3.45%Observations 329
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC0%0th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 18%Median 176%90th 306%Observations 186
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. For directional metrics, deep red marks the unfavorable endpoint and teal marks the favorable endpoint after applying registry polarity. Neutral metrics use a blue ramp, are ordered from lower to higher reported value, and carry no favorable interpretation. Group membership is FFIEC-published. Expanded distributions use the site’s registered Call Report formula; a displayed FFIEC percentile is used only where the formulas align.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Westlake, TX
FDIC
OFFDOMOpen the Texas dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data