Charles Schwab Bank, SSB: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Fed funds sold and reverse repos dropped 100.0% in Q2 2026, from $4.60B to $0. It was the largest change from Q1 2026 among the key lines here. Charles Schwab Bank, SSB has the 25th lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 29.87% as of Q2 2026. Against a median of 61.69% for banks in the >= $250B asset tier, Charles Schwab Bank, SSB reported 29.87% on loan-to-deposit ratio in Q2 2026, 31.82 points lower.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $17.72B |
| Cash and noninterest-bearing balances to assets | 7.06% |
| Cash and securities | $176.72B |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $5.31B |
| Other borrowed money | $500.0M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.20% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 29.87% |
| Net loans and leases to deposits | 29.85% |
| Loans and leases to core deposits | 29.87% |
| Core deposits to total deposits | 97.39% |
| Brokered deposits to total deposits | 3.39% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 15.81% | 79.78% | $5.51B | $27.00B |
| Q4 2023 | 15.57% | 78.99% | $4.51B | $24.00B |
| Q1 2024 | 16.86% | 81.21% | $6.50B | $23.00B |
| Q2 2024 | 18.54% | 79.63% | $7.00B | $23.00B |
| Q3 2024 | 19.14% | 82.35% | $7.50B | $21.00B |
| Q4 2024 | 19.10% | 85.71% | $5.50B | $16.50B |
| Q1 2025 | 20.76% | 87.89% | $5.49B | $11.50B |
| Q2 2025 | 23.09% | 91.48% | $5.99B | $9.00B |
| Q3 2025 | 23.78% | 92.81% | $4.79B | $850.0M |
| Q4 2025 | 23.75% | 96.63% | $1.25B | $1.85B |
| Q1 2026 | 26.19% | 96.22% | $3.00B | $0 |
| Q2 2026 | 29.87% | 97.39% | $5.31B | $500.0M |
Charles Schwab Bank, SSB liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles Schwab Bank, SSB, freeSource: Call Report Schedules RC and RC-M, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Charles Schwab Bank, SSB profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57450) · FFIEC NIC profile (RSSD 3150447)