Charles Schwab Premier Bank, SSB: Capital Ratios and Amounts
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Data as of · Call Report Schedule RC-R How we update
Charles Schwab Premier Bank, SSB reported all 19 line items on this page on its Q3 2026 filing. Common equity Tier 1 ratio was 48.00% in Q3 2026, down 0.98 percentage points from 48.98% in Q3 2025. Across the 12 quarters shown it ranged from 37.38% (Q1 2026) to 61.67% (Q1 2025).
The largest change between Q2 2026 and Q3 2026 was in Common equity Tier 1 ratio, which fell 1.32 percentage points to 48.00%. Among 183 Texas banks, Charles Schwab Premier Bank, SSB sits 11th from the top on CET1 ratio, 48.00% as of Q3 2026. Charles Schwab Premier Bank, SSB's CET1 ratio of 48.00% is well above the 12.88% median for banks in the $10B-100B asset tier, a gap of 35.12 points (Q3 2026).
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 48.00% |
| Tier 1 risk-based capital ratio | 48.00% |
| Total risk-based capital ratio | 48.00% |
| Tier 1 leverage ratio | 11.24% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it normally sits well below the risk-based ratios.
Source: Call Report Schedule RC-R, Part I: Common equity Tier 1 ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Capital amounts
Largest change in this table: risk-weighted assets, up 2.7% to $6.35B in Q3 2026 after $6.18B in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $3.05B |
| Tier 1 capital | $3.05B |
| Total risk-based capital | $3.05B |
| Total equity capital | $2.09B |
| Risk-weighted assets | $6.35B |
Source: Call Report Schedule RC: Total equity capital (item 27.a, RCFD3210).
Capital adequacy
Largest change in this table: equity capital to average assets, up 0.22 points to 7.71% in Q3 2026 after 7.49% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 7.84% |
| Tangible equity to tangible assets | 7.84% |
| Equity capital to average assets | 7.71% |
| Internal capital growth rate | -0.57% |
Capital structure
Retained earnings moved most in this table, down 2.8%: $108.0M in Q2 2026, $105.0M in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Common stock | $15.0M |
| Common stock surplus | $2.93B |
| Retained earnings | $105.0M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$958.0M |
| Subordinated notes and debentures | $0 |
Capital Ratios and Amounts trend
Capital Ratios and Amounts by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 54.35% | 54.35% | 54.35% | 11.21% | $6.09B |
| Q1 2024 | 56.03% | 56.03% | 56.03% | 11.84% | $6.01B |
| Q2 2024 | 56.34% | 56.34% | 56.34% | 12.36% | $6.07B |
| Q3 2024 | 58.25% | 58.25% | 58.25% | 12.72% | $5.95B |
| Q4 2024 | 59.91% | 59.91% | 59.91% | 13.12% | $5.91B |
| Q1 2025 | 61.67% | 61.67% | 61.67% | 13.65% | $5.88B |
| Q2 2025 | 54.49% | 54.49% | 54.49% | 13.16% | $6.29B |
| Q3 2025 | 48.98% | 48.98% | 48.98% | 12.99% | $6.72B |
| Q4 2025 | 42.00% | 42.00% | 42.00% | 11.50% | $7.26B |
| Q1 2026 | 37.38% | 37.38% | 37.38% | 11.16% | $8.14B |
| Q2 2026 | 49.32% | 49.32% | 49.32% | 10.90% | $6.18B |
| Q3 2026 | 48.00% | 48.00% | 48.00% | 11.24% | $6.35B |
Charles Schwab Premier Bank, SSB capital ratios and amounts, quarter by quarter
Capital Ratios and Amounts since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedule RC-R, Q3 2026. Open the filed call report for Q3 2026 on the FFIEC CDR. How this page is built. See the full Charles Schwab Premier Bank, SSB profile or its peer group comparison.
Regulator records: FDIC BankFind (cert 33497) · FFIEC NIC profile (RSSD 1893049)