Charles Schwab Premier Bank, SSB: Vital Signs
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Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
On its Q3 2026 filing, Charles Schwab Premier Bank, SSB reported 22 of the 23 line items on this page. It did not report reserve coverage of nonperforming loans. CET1 capital 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).
Securities to assets dropped 1.70 percentage points in Q3 2026, from 86.00% to 84.31%. It was the largest change from Q2 2026 among the key lines here. Charles Schwab Premier Bank, SSB ranks 159th of 345 Texas banks on return on assets, in the upper half at 1.58% (Q3 2026). Charles Schwab Premier Bank, SSB reported 1.58% on return on assets for Q3 2026, 0.33 points above the 1.25% median for banks in the $10B-100B asset tier.
Capital adequacy
CET1 capital ratio moved most in this table, down 1.32 points: 49.32% in Q2 2026, 48.00% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 48.00% |
| Tier 1 risk-based capital ratio | 48.00% |
| Total risk-based capital ratio | 48.00% |
| Tier 1 leverage ratio | 11.24% |
| Equity capital to assets | 7.84% |
| Tangible equity to tangible assets | 7.84% |
Source: Call Report Schedule RC-R, Part I: CET1 capital ratio (RCOAP793), Tier 1 risk-based capital ratio (RCOA7206), Total risk-based capital ratio (RCOA7205), Tier 1 leverage ratio (RCOA7204).
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Asset quality
| Line item | Q3 2026 |
|---|---|
| Nonperforming loans to loans | 0.00% |
| Nonperforming assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 0.00% |
| Reserve coverage of nonperforming loans | — |
Earnings
Return on assets changed the most here, up 0.11 points to 1.58% in Q3 2026 from 1.47% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.58% |
| Return on equity | 20.46% |
| Net interest margin | 2.57% |
| Efficiency ratio | 16.27% |
| Yield on earning assets | 2.60% |
| Cost of funds | 0.03% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.05% |
| Securities to assets | 84.31% |
Vital Signs trend
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 54.35% | 54.35% | 54.35% | 11.21% | 0.57% |
| Q1 2024 | 56.03% | 56.03% | 56.03% | 11.84% | 0.80% |
| Q2 2024 | 56.34% | 56.34% | 56.34% | 12.36% | 0.77% |
| Q3 2024 | 58.25% | 58.25% | 58.25% | 12.72% | 0.70% |
| Q4 2024 | 59.91% | 59.91% | 59.91% | 13.12% | 1.05% |
| Q1 2025 | 61.67% | 61.67% | 61.67% | 13.65% | 1.31% |
| Q2 2025 | 54.49% | 54.49% | 54.49% | 13.16% | 1.46% |
| Q3 2025 | 48.98% | 48.98% | 48.98% | 12.99% | 1.47% |
| Q4 2025 | 42.00% | 42.00% | 42.00% | 11.50% | 1.52% |
| Q1 2026 | 37.38% | 37.38% | 37.38% | 11.16% | 1.50% |
| Q2 2026 | 49.32% | 49.32% | 49.32% | 10.90% | 1.47% |
| Q3 2026 | 48.00% | 48.00% | 48.00% | 11.24% | 1.58% |
Charles Schwab Premier Bank, SSB vital signs, quarter by quarter
Vital Signs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)