Charles Schwab Trust Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Fed funds sold and reverse repos: 33.3% lower than in Q1 2026, at $200.0M. On loan-to-deposit ratio, Charles Schwab Trust Bank is 1st from the bottom among 346 Texas banks, 0.00% (Q2 2026). Charles Schwab Trust Bank's loan-to-deposit ratio of 0.00% is well below the 86.83% median for banks in the $10B-100B asset tier, a gap of 86.83 points (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $848.0M |
| Cash and noninterest-bearing balances to assets | 8.07% |
| Cash and securities | $10.05B |
| Fed funds sold and reverse repos | $200.0M |
| Fed funds sold and reverse repos to assets | 1.90% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Net loans and leases to deposits | 0.00% |
| Loans and leases to core deposits | 0.00% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 0.00% | 100.00% | $0 | $0 |
| Q4 2023 | 0.00% | 100.00% | $0 | $0 |
| Q1 2024 | 0.00% | 100.00% | $0 | $0 |
| Q2 2024 | 0.00% | 100.00% | $0 | $0 |
| Q3 2024 | 0.00% | 100.00% | $0 | $0 |
| Q4 2024 | 0.00% | 100.00% | $0 | $0 |
| Q1 2025 | 0.00% | 100.00% | $0 | $0 |
| Q2 2025 | 0.00% | 100.00% | $0 | $0 |
| Q3 2025 | 0.00% | 100.00% | $0 | $0 |
| Q4 2025 | 0.00% | 100.00% | $0 | $0 |
| Q1 2026 | 0.00% | 100.00% | $0 | $0 |
| Q2 2026 | 0.00% | 100.00% | $0 | $0 |
Charles Schwab Trust Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles Schwab Trust Bank, freeSource: Call Report Schedules RC and RC-M, 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)