Charles Schwab Trust Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 9.1% higher than in Q1 2026, at $232.3M. On CET1 ratio, Charles Schwab Trust Bank ranks 5th highest among the 184 banks headquartered in Texas, at 79.60% (Q2 2026). Against a median of 12.96% for banks in the $10B-100B asset tier, Charles Schwab Trust Bank reported 79.60% on CET1 ratio in Q2 2026, 66.64 points higher.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 79.60% |
| Tier 1 risk-based capital ratio | 79.60% |
| Total risk-based capital ratio | 79.60% |
| Tier 1 leverage ratio | 10.93% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.17B |
| Tier 1 capital | $1.17B |
| Total risk-based capital | $1.17B |
| Total equity capital | $808.6M |
| Risk-weighted assets | $1.47B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.69% |
| Tangible equity to tangible assets | 7.69% |
| Equity capital to average assets | 7.57% |
| Internal capital growth rate | 10.02% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $10.0M |
| Common stock surplus | $925.1M |
| Retained earnings | $232.3M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$358.8M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 65.19% | 65.19% | 65.19% | 10.43% | $1.94B |
| Q4 2023 | 82.42% | 82.42% | 82.42% | 11.62% | $1.59B |
| Q1 2024 | 86.82% | 86.82% | 86.82% | 12.64% | $1.56B |
| Q2 2024 | 92.79% | 92.79% | 92.79% | 13.71% | $1.51B |
| Q3 2024 | 98.11% | 98.11% | 98.11% | 14.46% | $1.47B |
| Q4 2024 | 89.77% | 89.77% | 89.77% | 12.81% | $1.45B |
| Q1 2025 | 86.92% | 86.92% | 86.92% | 12.19% | $1.47B |
| Q2 2025 | 86.30% | 86.30% | 86.30% | 12.32% | $1.44B |
| Q3 2025 | 82.80% | 82.80% | 82.80% | 11.84% | $1.42B |
| Q4 2025 | 85.96% | 85.96% | 85.96% | 11.20% | $1.35B |
| Q1 2026 | 79.59% | 79.59% | 79.59% | 10.54% | $1.44B |
| Q2 2026 | 79.60% | 79.60% | 79.60% | 10.93% | $1.47B |
Charles Schwab Trust Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles Schwab Trust Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Charles Schwab Trust Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 59108) · FFIEC NIC profile (RSSD 5278251)