Charles Schwab Trust Bank: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 71.60% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 71.60% (RCFAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 79.60% +73.10 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $1.17B | 1,167,412 | RCFAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.47B | 1,466,580 | RCFAA223 |
| Recomputed ratio | 79.60% | numerator / denominator | |
| Filed ratio | 79.60% | RCFAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +73.10 pp | $1.07B | capital that could be lost first |
Tier 1 risk-based capital ratio 79.60% +71.60 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $1.17B | 1,167,412 | RCFA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.47B | 1,466,580 | RCFAA223 |
| Recomputed ratio | 79.60% | numerator / denominator | |
| Filed ratio | 79.60% | RCFA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +71.60 pp | $1.05B | capital that could be lost first |
Total risk-based capital ratio 79.60% +69.60 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $1.17B | 1,167,412 | RCFA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $1.47B | 1,466,580 | RCFAA223 |
| Recomputed ratio | 79.60% | numerator / denominator | |
| Filed ratio | 79.60% | RCFA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +69.60 pp | $1.02B | capital that could be lost first |
Tier 1 leverage ratio 10.93% +5.93 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $1.17B | 1,167,412 | RCFA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $10.68B | 10,683,528 | RCFAA224 |
| Recomputed ratio | 10.93% | numerator / denominator | |
| Filed ratio | 10.93% | RCFA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +5.93 pp | $633.2M | capital that could be lost first |
Supplementary leverage ratio 10.92%
Tier 1 capital over total leverage exposure, which adds off-balance-sheet exposures to on-balance-sheet assets. Filed by advanced-approaches and Category III banks.
| Tier 1 capital | $1.17B | 1,167,412 | RCFA8274 |
|---|---|---|---|
| Divided by total leverage exposure | $10.69B | 10,687,690 | RCFAH015 |
| Recomputed ratio | 10.92% | numerator / denominator | |
| Filed ratio | 10.92% | RCFAH036 |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 935,150 | 935,149 | 935,150 | 935,150 | 935,150 | 935,150 | RCFAP742 |
| Retained earnings | 232,262 | 212,986 | 224,907 | 244,511 | 304,943 | 346,736 | RCFAKW00 |
| Accumulated other comprehensive income | (358,818) | (378,758) | (394,254) | (427,278) | (456,445) | (490,373) | RCFAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 808,594 | 769,377 | 765,803 | 752,383 | 783,648 | 791,513 | RCFAP840 |
| Adjustments and deductions from common equity Tier 1 | 358,818 | 378,758 | 394,254 | 427,278 | 456,445 | 490,373 | P859 - P840 |
| Common equity Tier 1 capital | 1,167,412 | 1,148,135 | 1,160,057 | 1,179,661 | 1,240,093 | 1,281,886 | RCFAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFAP865 |
| Tier 1 capital | 1,167,412 | 1,148,135 | 1,160,057 | 1,179,661 | 1,240,093 | 1,281,886 | RCFA8274 |
| Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFA5311 |
| Allowance includable in Tier 2 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCFA5310 |
| Total capital | 1,167,412 | 1,148,135 | 1,160,057 | 1,179,661 | 1,240,093 | 1,281,886 | RCFA3792 |
| Total risk-weighted assets | 1,466,580 | 1,442,536 | 1,349,455 | 1,424,718 | 1,436,920 | 1,474,788 | RCFAA223 |
| Average total assets for the leverage ratio | 10,683,528 | 10,890,263 | 10,354,407 | 9,962,506 | 10,064,066 | 10,517,607 | RCFAA224 |
| Total leverage exposure | 10,687,690 | 10,893,527 | 10,357,200 | 9,964,905 | 10,066,419 | 10,520,166 | RCFAH015 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $848.0M | $8.5M | 1.00% | 0.58% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $9.68B | $1.37B | 14.14% | 93.32% | RC-R Part II, item 2.a, 2.b |
| All other assets | $142.1M | $89.4M | 62.90% | 6.09% | RC-R Part II, item 8 |
| Derivatives (over the counter and centrally cleared) | $2.3M | $46K | 2.00% | 0.00% | RC-R Part II, item 20, 21 |
| Market risk and other approaches | NA | -$140 | NA | 0.00% | RC-R Part II, item 27 |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $1.47B | ties to item 31 ($1.47B) |
|---|---|---|
| Risk-weighted assets before deductions | $1.47B | RCFDB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $1.47B | RCFDG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 79.60% | 79.60% | 79.60% | 10.93% | 12.98% | 12.99% | 14.14% | 10.25% |
| 1Q26 | Risk-based | 79.59% | 79.59% | 79.59% | 10.54% | 13.06% | 13.07% | 14.31% | 10.26% |
| 4Q25 | Risk-based | 85.96% | 85.96% | 85.96% | 11.20% | 13.15% | 13.20% | 14.60% | 10.03% |
| 3Q25 | Risk-based | 82.80% | 82.80% | 82.80% | 11.84% | 13.29% | 13.29% | 14.49% | 10.31% |
| 2Q25 | Risk-based | 86.30% | 86.30% | 86.30% | 12.32% | 13.11% | 13.11% | 14.41% | 10.16% |
| 1Q25 | Risk-based | 86.92% | 86.92% | 86.92% | 12.19% | 13.16% | 13.16% | 14.34% | 10.10% |
| 4Q24 | Risk-based | 89.77% | 89.77% | 89.77% | 12.81% | 13.15% | 13.15% | 14.49% | 10.29% |
| 3Q24 | Risk-based | 98.11% | 98.11% | 98.11% | 14.46% | 13.25% | 13.25% | 14.44% | 10.08% |
| 2Q24 | Risk-based | 92.79% | 92.79% | 92.79% | 13.71% | 13.08% | 13.08% | 14.24% | 10.10% |
| 1Q24 | Risk-based | 86.82% | 86.82% | 86.82% | 12.64% | 12.76% | 12.76% | 13.98% | 9.86% |
| 4Q23 | Risk-based | 82.42% | 82.42% | 82.42% | 11.62% | 12.58% | 12.58% | 13.79% | 9.79% |
| 3Q23 | Risk-based | 65.19% | 65.19% | 65.19% | 10.43% | 12.66% | 12.67% | 13.78% | 9.78% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Charles Schwab Trust Bank (this bank) | Risk-based | 79.60% | 79.60% | 79.60% | 10.93% | |
| Washington Trust Bank | $10.54B | Risk-based | 11.91% | 11.91% | 13.17% | 9.73% |
| Centier Bank | $10.41B | Risk-based | 12.85% | 12.85% | 14.04% | 10.74% |
| Stellar Bank | $10.40B | Risk-based | 12.79% | 12.79% | 13.99% | 10.48% |
| Amarillo National Bank | $10.38B | Risk-based | 13.03% | 13.03% | 14.18% | 10.75% |
| Stock Yards Bank & Trust Company | $10.36B | Risk-based | 12.02% | 12.02% | 13.28% | 10.74% |
| WEX Bank | $10.71B | Risk-based | 12.70% | 12.70% | 13.48% | 8.93% |
| Amerant Bank, N.A. | $10.27B | Risk-based | 12.91% | 12.91% | 14.15% | 9.88% |
| International Bank of Commerce | $10.19B | Risk-based | 21.11% | 21.11% | 22.36% | 19.02% |
| Origin Bank | $10.18B | Risk-based | 12.80% | 12.80% | 13.97% | 11.37% |
| Burke and Herbert Bank and Trust Company | $10.98B | Risk-based | 13.32% | 13.32% | 14.31% | 12.26% |
| Peer 25th percentile | 12.72% | 12.72% | 13.60% | 10.03% | ||
| Peer median | 12.82% | 12.82% | 14.02% | 10.74% | ||
| Peer 75th percentile | 13.00% | 13.00% | 14.17% | 11.21% | ||
| This bank's percentile | 100 | 100 | 100 | 70 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/5278251/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.