Charles Schwab Bank, SSB: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
In Q2 2026, Net interest margin edged up by 0.11 percentage points, from 2.10% to 2.21%, the largest move among the key lines here. Charles Schwab Bank, SSB has the 4th lowest net interest margin of the 345 banks headquartered in Texas, at 2.21% as of Q2 2026. The median for banks in the >= $250B asset tier is 2.88% on net interest margin. Charles Schwab Bank, SSB sits 0.67 points lower, at 2.21% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 2.55% |
| Yield on loans | 4.30% |
| Yield on securities | 1.77% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 0.37% |
| Cost of interest-bearing deposits | 0.31% |
| Cost of interest-bearing liabilities | 0.37% |
| Cost of borrowings | 4.01% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.21% |
| Yield to cost spread | 2.18% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $682.0M |
| Total interest expense | $207.0M |
| Interest expense on deposits | $172.0M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 2.41% | 1.83% | 0.68% | 4.21% | 1.90% |
| Q4 2023 | 2.41% | 1.94% | 0.57% | 4.28% | 1.88% |
| Q1 2024 | 2.40% | 1.86% | 0.66% | 4.29% | 1.85% |
| Q2 2024 | 2.37% | 1.89% | 0.61% | 4.38% | 1.80% |
| Q3 2024 | 2.43% | 1.97% | 0.60% | 4.47% | 1.81% |
| Q4 2024 | 2.40% | 1.51% | 1.00% | 4.32% | 1.79% |
| Q1 2025 | 2.38% | 1.14% | 1.34% | 4.23% | 1.80% |
| Q2 2025 | 2.39% | 0.95% | 1.52% | 4.20% | 1.78% |
| Q3 2025 | 2.42% | 0.83% | 1.65% | 4.22% | 1.76% |
| Q4 2025 | 2.46% | 0.53% | 1.97% | 4.25% | 1.75% |
| Q1 2026 | 2.44% | 0.37% | 2.10% | 4.20% | 1.74% |
| Q2 2026 | 2.55% | 0.37% | 2.21% | 4.30% | 1.77% |
Charles Schwab Bank, SSB yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles Schwab Bank, SSB, freeSource: Call Report Schedules RI and RC-K, 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)