Charles Schwab Bank, SSB: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 3.68 percentage points in Q2 2026, from 26.19% to 29.87%. 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. Charles Schwab Bank, SSB's loan-to-deposit ratio of 29.87% is well below the 61.69% median for banks in the >= $250B asset tier, a gap of 31.82 points (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $67.28B |
| Net loans and leases | $67.24B |
| Loans held for sale | $0 |
| Loans to total assets | 26.82% |
| Loan-to-deposit ratio | 29.87% |
| Net loans to equity capital | 3.72% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.03% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.79% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.30% |
| Interest income on loans | $682.0M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $40.07B | $253.49B | 0.00% | 5.39% | 23.15% |
| Q4 2023 | $40.11B | $257.58B | 0.00% | 5.17% | 23.30% |
| Q1 2024 | $40.18B | $238.27B | 0.00% | 5.25% | 23.58% |
| Q2 2024 | $41.54B | $224.02B | 0.00% | 5.66% | 24.45% |
| Q3 2024 | $42.52B | $222.16B | 0.00% | 5.64% | 25.05% |
| Q4 2024 | $44.18B | $231.32B | 0.00% | 0.00% | 0.06% |
| Q1 2025 | $45.66B | $219.88B | 0.00% | 0.00% | 0.06% |
| Q2 2025 | $48.38B | $209.55B | 0.00% | 0.00% | 0.05% |
| Q3 2025 | $50.95B | $214.26B | 0.00% | 0.00% | 0.05% |
| Q4 2025 | $54.73B | $230.50B | 0.00% | 0.00% | 0.06% |
| Q1 2026 | $57.59B | $219.91B | 0.00% | 0.00% | 0.04% |
| Q2 2026 | $67.28B | $225.25B | 0.00% | 0.00% | 0.03% |
Charles Schwab Bank, SSB loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles Schwab Bank, SSB, freeSource: Call Report Schedule RC-C, 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)