Charles Schwab Trust Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Between Q1 2026 and Q2 2026, none of the key lines on this page moved by much; the largest change was in Loans to total assets, from 0.00% to 0.00%. Charles Schwab Trust Bank has the 1st lowest loan-to-deposit ratio of the 346 banks headquartered in Texas, at 0.00% as of Q2 2026. Against a median of 86.83% for banks in the $10B-100B asset tier, Charles Schwab Trust Bank reported 0.00% on loan-to-deposit ratio in Q2 2026, 86.83 points lower.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $0 |
| Net loans and leases | $0 |
| Loans held for sale | $0 |
| Loans to total assets | 0.00% |
| Loan-to-deposit ratio | 0.00% |
| Net loans to equity capital | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 0.00% |
| Construction concentration (Tier 1 capital + allowance) | 0.00% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $0 |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | CRE to capital | Construction and development to capital |
|---|---|---|---|---|
| Q3 2023 | $0 | $10.86B | 0.00% | 0.00% |
| Q4 2023 | $0 | $9.52B | 0.00% | 0.00% |
| Q1 2024 | $0 | $9.40B | 0.00% | 0.00% |
| Q2 2024 | $0 | $8.63B | 0.00% | 0.00% |
| Q3 2024 | $0 | $8.68B | 0.00% | 0.00% |
| Q4 2024 | $0 | $9.30B | 0.00% | 0.00% |
| Q1 2025 | $0 | $9.00B | 0.00% | 0.00% |
| Q2 2025 | $0 | $8.86B | 0.00% | 0.00% |
| Q3 2025 | $0 | $8.89B | 0.00% | 0.00% |
| Q4 2025 | $0 | $9.64B | 0.00% | 0.00% |
| Q1 2026 | $0 | $9.62B | 0.00% | 0.00% |
| Q2 2026 | $0 | $9.68B | 0.00% | 0.00% |
Charles Schwab Trust Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles Schwab Trust Bank, freeSource: Call Report Schedule RC-C, 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)