Charles Schwab Trust Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Charles Schwab Trust Bank of Westlake, TX against its peer group of 134 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.03% | 1.35% | +0.68% | 93rd top |
| ROAE | 27.52% | 12.25% | +15.27% | 97th top |
| Net Interest Margin | 2.51% | 3.68% | -1.17% | 9th bottom |
| Efficiency Ratio | 23.67% | 53.89% | -30.22% | 97th top |
| PPNR / Avg Assets | 2.69% | 1.95% | +0.74% | 89th top |
| Yield on Earning Assets | 2.76% | 5.58% | -2.82% | 1st bottom |
| Cost of Funds | 0.27% | 2.00% | -1.73% | 99th top |
| Net Interest Spread | 2.45% | 2.98% | -0.53% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPA / Total Assets | 0.00% | 0.76% | -0.76% | 99th top |
| Texas Ratio | 0.00% | 10.27% | -10.27% | 99th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 79.60% | 14.57% | +65.03% | 100th top |
| Tier 1 Ratio | 79.60% | 14.69% | +64.91% | 100th top |
| Total Capital Ratio | 79.60% | 15.91% | +63.69% | 100th top |
| Leverage Ratio | 10.93% | 10.26% | +0.67% | 71st above |
| Equity / Assets | 7.69% | 11.56% | -3.87% | 6th bottom |
| TCE / Tangible Assets | 7.69% | 9.48% | -1.79% | 13th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 0.00% | 84.11% | -84.11% | 100th top |
| Core Deposit Ratio | 100.00% | 86.73% | +13.27% | 100th top |
| Uninsured Deposit Ratio | 5.38% | 39.03% | -33.65% | 95th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 8.71% | 10.09% | -1.38% | 68th above |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 9.28% | 9.94% | -0.66% | 67th above |
See Charles Schwab Trust Bank's peers by name
The 134 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Charles Schwab Trust Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Charles Schwab Trust Bank profile, how to read a UBPR, or how this data updates.