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Charles Schwab Premier Bank, SSB: Peer Group Comparison

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Average peer standing 77/100
Peer group Banks with $10B to $100B in assets
Peers compared 124
Quartile spread 14 best quarter · 2 better half · 1 worse half · 3 worst quarter
Cost of Funds · better than 100% of peersNPL / Total Loans · better than 100% of peersCore Deposit Ratio · better than 100% of peers Net Interest Margin · better than 9% of peersEquity / Assets · better than 10% of peersTCE / Tangible Assets · better than 19% of peers

Data as of · peers are US banks in the same asset tier. How we update

This page benchmarks Charles Schwab Premier Bank, SSB of Westlake, TX against its peer group of 124 similarly-sized US banks as of Q3 2026. The peer group is every US bank in the same asset tier (banks with $10B to $100B in assets). The credit quality page compares against a shorter list, the 10 nearest banks by size in the same tier, so its peer medians can differ from the ones here. For each metric the bank's value is shown next to the peer-group median and the bank's percentile within the group, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Best quarter means the bank is among the strongest 25% of its peers on that measure.

How to read the peer columns: Peer median is the middle bank of the peer group. The percentile is the share of the other banks in the group with a lower value, so a high percentile is good for return on assets and bad for the efficiency ratio. The tag says which it is: better half or worse half, with the best and worst quarters marked. Measures with no better direction, such as loans to deposits and growth, carry no tag.

Profitability

Metric This bank Peer median Diff Percentile and standing
ROAA 1.58% 1.31% +0.27% 70th better half
ROAE 20.46% 11.12% +9.34% 93rd best quarter
Net Interest Margin 2.57% 3.67% -1.10% 9th worst quarter
Efficiency Ratio 16.27% 53.24% -36.97% 2nd best quarter
PPNR / Avg Assets 2.05% 1.88% +0.17% 63rd better half
Yield on Earning Assets 2.60% 5.46% -2.86% 0th
Cost of Funds 0.03% 1.98% -1.95% 0th best quarter
Net Interest Spread 2.57% 2.98% -0.41% 28th worse half

Asset Quality

Metric This bank Peer median Diff Percentile and standing
NPL / Total Loans 0.00% 0.67% -0.67% 0th best quarter
NPA / Total Assets 0.00% 0.49% -0.49% 1st best quarter
NCO / Avg Loans 0.00% 0.14% -0.14% 5th best quarter
ACL / Total Loans 0.00% 1.12% -1.12% 0th
Texas Ratio 0.00% 4.26% -4.26% 1st best quarter
CRE / Total Capital 0.00% 217.03% -217.03% 2nd best quarter

Capital Adequacy

Metric This bank Peer median Diff Percentile and standing
CET1 Ratio 48.00% 12.93% +35.07% 97th best quarter
Tier 1 Ratio 48.00% 13.04% +34.96% 97th best quarter
Total Capital Ratio 48.00% 14.24% +33.76% 97th best quarter
Leverage Ratio 11.24% 10.21% +1.03% 77th best quarter
Equity / Assets 7.84% 11.26% -3.42% 10th worst quarter
TCE / Tangible Assets 7.84% 9.38% -1.54% 19th worst quarter

Liquidity & Funding

Metric This bank Peer median Diff Percentile and standing
Loan / Deposit 0.00% 86.53% -86.53% 1st
Core Deposit Ratio 100.00% 91.81% +8.19% 100th best quarter
Uninsured Deposit Ratio 5.06% 39.38% -34.32% 4th best quarter

Growth & Management

Metric This bank Peer median Diff Percentile and standing
Asset Growth (Y/Y) 6.03% 5.37% +0.66% 54th
Loan Growth (Y/Y) -99.97% 6.53% -106.50% 0th
Deposit Growth (Y/Y) 7.87% 4.86% +3.01% 64th

See Charles Schwab Premier Bank, SSB's peers by name

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Source: 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 Premier Bank, SSB profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Charles Schwab Premier Bank, SSB peer analysis.