Bank Safety Analysis
Is Charles Schwab Premier Bank, SSB Safe? Westlake, Texas
Based on its Q3 2026 call report, Charles Schwab Premier Bank, SSB meets every capital ratio test for well capitalized, its Texas ratio is 0.00%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Charles Schwab Premier Bank, SSB safe?
On its Q3 2026 call report, Charles Schwab Premier Bank, SSB's CET1 ratio is 48.00%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 48.00%
- Tier 1 leverage ratio (Q3 2026): 11.24%
- Texas ratio (Q3 2026): 0.00%
- Noncurrent loans ratio (Q3 2026): 0.00%
Charles Schwab Premier Bank, SSB is an FDIC-insured commercial bank (FDIC Certificate #33497). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Charles Schwab Premier Bank, SSB (FDIC Certificate #33497) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Charles Schwab Premier Bank, SSB passes all 5 scorecard dimensions, but not every risk screen below is clear. 1 risk screen is flagged: held-to-maturity unrealized loss to equity.
CET1 ratio fell 1.32 percentage points from Q2 2026 to Q3 2026, ending at 48.00% against 49.32%. It was the largest change among the key lines on this page. Among 183 Texas banks, Charles Schwab Premier Bank, SSB sits 11th from the top on CET1 ratio, 48.00% as of Q3 2026. Against a median of 12.88% for banks in the $10B-100B asset tier, Charles Schwab Premier Bank, SSB reported 48.00% on CET1 ratio in Q3 2026, 35.12 points higher.
From Q4 2023 to Q3 2026, Charles Schwab Premier Bank, SSB's CET1 ratio ranged between 37.38% (Q1 2026) and 61.67% (Q1 2025) and its Texas ratio held at 0.00% in every quarter. Between Q3 2025 and Q3 2026, Charles Schwab Premier Bank, SSB's CET1 ratio fell from 48.98% to 48.00%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.00%, Texas ratio held at 0.00% and return on assets rose from 1.47% to 1.58%.
Charles Schwab Premier Bank, SSB ranks as the 5th largest of the 345 banks based in Texas, by total assets at Q3 2026. All other loans are its largest loan category, $1.0M of $1.0M in total loans on its September 30, 2026 call report. Against the 134 banks with $10B to $100B in assets for Q3 2026, Charles Schwab Premier Bank, SSB's CET1 ratio of 48.00% is above the 12.88% median, Tier 1 leverage ratio of 11.24% is above the 10.21% median, nonperforming loans ratio of 0.00% is below the 0.67% median, Texas ratio of 0.00% is below the 4.26% median, and efficiency ratio of 16.27% is below the 53.78% median.
Data as of · sourced from FFIEC call reports. How we update
This bank has more than $10 billion in assets, above the community and regional banks the model was trained on, so treat its score as a rough screen.
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Charles Schwab Premier Bank, SSB's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Charles Schwab Premier Bank, SSB score on capital, credit and costs?
Peer cohort: $10B to $100B (124 banks) · Industry averages as of Q3 2026.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 12.88%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 10.21%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 0.67%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 4.26%.
Median of the 134 banks with $10B to $100B in assets, Q3 2026: 53.78%.
Does Charles Schwab Premier Bank, SSB trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 48.00% | Within range |
| Texas ratio BankRegReports band | 0.00% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.00% | Within range |
| Uninsured deposit share BankRegReports band | 5.06% | Within range |
| Loan-to-deposit ratio BankRegReports band | 0.00% | Within range |
| Commercial real estate to capital supervisory threshold | 0.00% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 49.93% | Flagged |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 48.00% |
| Q2 2026 | 49.32% |
| Q1 2026 | 37.38% |
| Q4 2025 | 42.00% |
| Q3 2025 | 48.98% |
| Q2 2025 | 54.49% |
| Q1 2025 | 61.67% |
| Q4 2024 | 59.91% |
| Q3 2024 | 58.25% |
| Q2 2024 | 56.34% |
| Q1 2024 | 56.03% |
| Q4 2023 | 54.35% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 0.00% |
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
Loans by type, Q3 2026
- All other loans: $1.0M
How have Charles Schwab Premier Bank, SSB's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $26.65B | 48.00% | 11.24% | 0.00% | 0.00% | 16.27% |
| Jun 30, 2026 | $26.58B | 49.32% | 10.90% | 0.00% | 0.00% | 15.06% |
| Mar 31, 2026 | $27.44B | 37.38% | 11.16% | 0.00% | 0.00% | 14.65% |
| Dec 31, 2025 | $27.02B | 42.00% | 11.50% | 0.00% | 0.00% | 14.65% |
| Sep 30, 2025 | $25.13B | 48.98% | 12.99% | 0.00% | 0.00% | 15.49% |
| Jun 30, 2025 | $24.43B | 54.49% | 13.17% | 0.00% | 0.00% | 15.49% |
| Mar 31, 2025 | $25.26B | 61.67% | 13.65% | 0.00% | 0.00% | 15.67% |
| Dec 31, 2024 | $26.47B | 59.91% | 13.12% | 0.00% | 0.00% | 18.42% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Charles Schwab Premier Bank, SSB FDIC insured?
Yes. Charles Schwab Premier Bank, SSB is an FDIC-insured commercial bank (FDIC Certificate #33497). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Charles Schwab Premier Bank, SSB well capitalized?
On its Q3 2026 call report, Charles Schwab Premier Bank, SSB's CET1 ratio is 48.00%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the Federal Reserve, applies.
What are Charles Schwab Premier Bank, SSB's key safety ratios?
For Q3 2026, Charles Schwab Premier Bank, SSB reports CET1 48.00%, leverage 11.24%, Texas ratio 0.00%, noncurrent loans 0.00%. Its Texas ratio compares with the 4.26% median for the 134 banks with $10B to $100B in assets.
What happens to my deposits if Charles Schwab Premier Bank, SSB fails?
For Q3 2026, Charles Schwab Premier Bank, SSB reported $24.53B in total deposits, 5.06% of them estimated as uninsured. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Charles Schwab Premier Bank, SSB profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio Charles Schwab Premier Bank, SSB is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 33497) · FFIEC NIC profile (RSSD 1893049)
Explore: Full Charles Schwab Premier Bank, SSB profile · Other banks in TX · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.