Charles Schwab Bank, SSB: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Charles Schwab Bank, SSB of Westlake, TX against its peer group of 18 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.34% | 1.34% | +0.00% | 65th above |
| ROAE | 18.70% | 14.80% | +3.90% | 88th top |
| Net Interest Margin | 2.21% | 2.87% | -0.66% | 29th below |
| Efficiency Ratio | 17.18% | 53.59% | -36.41% | 100th top |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.75% | 1.88% | -0.13% | 53rd above |
| Yield on Earning Assets | 2.55% | 4.92% | -2.37% | 0th bottom |
| Cost of Funds | 0.37% | 2.15% | -1.78% | 100th top |
| Net Interest Spread | 2.18% | 2.24% | -0.06% | 41st below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.06% | 0.90% | -0.84% | 100th top |
| NPA / Total Assets | 0.02% | 0.43% | -0.41% | 100th top |
| NCO / Avg Loans | 0.00% | 0.62% | -0.62% | 91st top |
| ACL / Total Loans | 0.05% | 1.57% | -1.52% | 0th bottom |
| ACL / NPLs (Coverage) | 90.24% | 184.50% | -94.26% | 29th below |
| Texas Ratio | 0.23% | 6.43% | -6.20% | 100th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 30.14% | 15.45% | +14.69% | 94th top |
| Tier 1 Ratio | 30.14% | 15.48% | +14.66% | 94th top |
| Total Capital Ratio | 30.19% | 16.27% | +13.92% | 94th top |
| Leverage Ratio | 10.65% | 8.07% | +2.58% | 94th top |
| Equity / Assets | 7.21% | 9.31% | -2.10% | 18th bottom |
| TCE / Tangible Assets | 7.21% | 7.73% | -0.52% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 29.87% | 58.82% | -28.95% | 88th top |
| Core Deposit Ratio | 97.39% | 78.00% | +19.39% | 94th top |
| Uninsured Deposit Ratio | 19.04% | 46.48% | -27.44% | 100th top |
| Wholesale Funding Ratio | 2.32% | 8.81% | -6.49% | 100th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.28% | 9.38% | -8.10% | 18th bottom |
| Loan Growth (Y/Y) | 39.06% | 10.85% | +28.21% | 88th top |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.49% | 8.30% | -0.81% | 59th above |
See Charles Schwab Bank, SSB's peers by name
The 18 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Charles Schwab Bank, SSB, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Charles Schwab Bank, SSB profile, how to read a UBPR, or how this data updates.