Charles Schwab Trust Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 0.78 percentage points higher than in Q1 2026, at 87.61%. Within Texas, Charles Schwab Trust Bank is 64th of 345 on return on assets, 2.03% as of Q2 2026, above the middle of the field. Charles Schwab Trust Bank's return on assets of 2.03% is well above the 1.30% median for banks in the $10B-100B asset tier, a gap of 0.74 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 79.60% |
| Tier 1 risk-based capital ratio | 79.60% |
| Total risk-based capital ratio | 79.60% |
| Tier 1 leverage ratio | 10.93% |
| Equity capital to assets | 7.69% |
| Tangible equity to tangible assets | 7.69% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | — |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | — |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | — |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.03% |
| Return on equity | 27.52% |
| Net interest margin | 2.51% |
| Efficiency ratio | 23.67% |
| Yield on earning assets | 2.76% |
| Cost of funds | 0.27% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 0.00% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 92.09% |
| Securities to assets | 87.61% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 65.19% | 65.19% | 65.19% | 10.43% | 1.71% |
| Q4 2023 | 82.42% | 82.42% | 82.42% | 11.62% | 1.66% |
| Q1 2024 | 86.82% | 86.82% | 86.82% | 12.64% | 1.64% |
| Q2 2024 | 92.79% | 92.79% | 92.79% | 13.71% | 1.61% |
| Q3 2024 | 98.11% | 98.11% | 98.11% | 14.46% | 1.67% |
| Q4 2024 | 89.77% | 89.77% | 89.77% | 12.81% | 1.96% |
| Q1 2025 | 86.92% | 86.92% | 86.92% | 12.19% | 1.81% |
| Q2 2025 | 86.30% | 86.30% | 86.30% | 12.32% | 1.92% |
| Q3 2025 | 82.80% | 82.80% | 82.80% | 11.84% | 1.99% |
| Q4 2025 | 85.96% | 85.96% | 85.96% | 11.20% | 1.95% |
| Q1 2026 | 79.59% | 79.59% | 79.59% | 10.54% | 1.95% |
| Q2 2026 | 79.60% | 79.60% | 79.60% | 10.93% | 2.03% |
Charles Schwab Trust Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Charles Schwab Trust Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)