Charles Schwab Premier Bank, SSB: Yields and Funding Costs
BankRegReports is independent of Charles Schwab Premier Bank, SSB and never asks for online banking logins or passwords.
Data as of · Call Report Schedules RI and RC-K How we update
Charles Schwab Premier Bank, SSB reported all 12 line items on this page on its Q3 2026 filing. Yield on earning assets was 2.60% in Q3 2026, up 0.14 percentage points from 2.46% in Q3 2025. Across the 12 quarters shown it ranged from 2.34% (Q1 2025) to 2.60% (Q3 2026).
The standout move of Q3 2026 was in Total interest expense: 60.0% lower than in Q2 2026, at $2.0M. On net interest margin, Charles Schwab Premier Bank, SSB is 14th from the bottom among 344 Texas banks, 2.57% (Q3 2026). The median for banks in the $10B-100B asset tier is 3.65% on net interest margin. Charles Schwab Premier Bank, SSB sits 1.08 points lower, at 2.57% (Q3 2026).
Asset yields
Largest change in this table: yield on loans, down 4.66 points to 0.00% in Q3 2026 after 4.66% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Yield on earning assets | 2.60% |
| Yield on loans | 0.00% |
| Yield on securities | 2.44% |
Get an email when Charles Schwab Premier Bank, SSB files its next quarter, and see its yields and funding costs against peers in the terminal. Free account, no card.
Funding costs
Largest change in this table: cost of interest-bearing deposits, down 0.05 points to 0.03% in Q3 2026 after 0.08% in Q2 2026.
| Line item | Q3 2026 |
|---|---|
| Cost of funds | 0.03% |
| Cost of interest-bearing deposits | 0.03% |
| Cost of interest-bearing liabilities | 0.03% |
| Cost of borrowings | 0.00% |
Spread and margin
Net interest margin moved most in this table, up 0.06 points: 2.51% in Q2 2026, 2.57% in Q3 2026.
| Line item | Q3 2026 |
|---|---|
| Net interest margin | 2.57% |
| Yield to cost spread | 2.57% |
Interest income and expense
| Line item | Q3 2026 |
|---|---|
| Interest income on loans | $0 |
| Total interest expense | $2.0M |
| Interest expense on deposits | $2.0M |
Yields and Funding Costs trend
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q4 2023 | 2.39% | 1.27% | 1.18% | 6.41% | 2.09% |
| Q1 2024 | 2.36% | 0.96% | 1.45% | 6.62% | 2.04% |
| Q2 2024 | 2.38% | 1.06% | 1.38% | 6.50% | 2.06% |
| Q3 2024 | 2.41% | 1.18% | 1.31% | 6.26% | 2.01% |
| Q4 2024 | 2.37% | 0.60% | 1.82% | 5.67% | 1.97% |
| Q1 2025 | 2.34% | 0.19% | 2.16% | 5.41% | 1.91% |
| Q2 2025 | 2.43% | 0.11% | 2.33% | 5.22% | 1.94% |
| Q3 2025 | 2.46% | 0.07% | 2.39% | 5.37% | 1.91% |
| Q4 2025 | 2.55% | 0.03% | 2.51% | 5.10% | 1.91% |
| Q1 2026 | 2.47% | 0.03% | 2.44% | 4.61% | 1.94% |
| Q2 2026 | 2.58% | 0.08% | 2.51% | 4.66% | 2.31% |
| Q3 2026 | 2.60% | 0.03% | 2.57% | 0.00% | 2.44% |
Charles Schwab Premier Bank, SSB yields and funding costs, quarter by quarter
Yields and Funding Costs since Q3 2021 · peer percentiles on every line item · watchlist alerts
Unlock this bank, freeSource: Call Report Schedules RI and RC-K, 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)