Bank Comparison
PlainsCapital Bank vs Charles Schwab Trust Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 11
winning metrics across 14 scored rows
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Capital adequacy
| Metric | PlainsCapital Bank | Charles Schwab Trust Bank |
|---|---|---|
| CET1 Ratio | 12.50% | 79.60% |
| Tier 1 Capital Ratio | 12.50% | 79.60% |
| Total Capital Ratio | 13.47% | 79.60% |
| Tier 1 Leverage Ratio | 9.73% | 10.93% |
| Equity / Assets | 10.75% | 7.69% |
Profitability
| Metric | PlainsCapital Bank | Charles Schwab Trust Bank |
|---|---|---|
| Return on Assets (ROA) | 1.19% | 2.03% |
| Return on Equity (ROE) | 10.85% | 27.52% |
| Net Interest Margin (NIM) | 3.35% | 2.51% |
| Yield on Earning Assets | 5.11% | 2.76% |
| Cost of Funds | 1.92% | 0.27% |
Asset quality
| Metric | PlainsCapital Bank | Charles Schwab Trust Bank |
|---|---|---|
| Texas Ratio | 13.21% | 0.00% |
| Non-Performing Loan Ratio | 1.17% | — |
| Non-Performing Asset Ratio | 0.91% | 0.00% |
| Net Charge-Off Ratio | 0.14% | — |
| ACL / Loans | 0.91% | — |
Balance sheet
| Metric | PlainsCapital Bank | Charles Schwab Trust Bank |
|---|---|---|
| Total Assets | $12.68B | $10.51B |
| Total Deposits | $10.66B | $9.68B |
| Total Loans | $9.27B | $0 |
| Total Equity | $1.36B | $808.6M |
| Net Income (quarter) | $36.8M | $54.3M |
Liquidity & funding
| Metric | PlainsCapital Bank | Charles Schwab Trust Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 87.01% | 0.00% |
| Core Deposit Ratio | 94.53% | 100.00% |
| Uninsured Deposit Ratio | 53.89% | 5.38% |
Identity
| Metric | PlainsCapital Bank | Charles Schwab Trust Bank |
|---|---|---|
| Headquarters City | University Park | Westlake |
| Headquarters State | TX | TX |
| Asset Tier | $10B to $100B in assets | $10B to $100B in assets |
| Regulator | FED | FED |
| Domestic Branches | 57 | 1 |
| Employees (FTE) | 2,290 | 255 |
| Established | September 15, 1955 | July 2, 2018 |
About this comparison
All metrics are sourced from FFIEC call report filings, the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of June 30, 2026. The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio. Size and identity rows (assets, deposits, loans, equity, branches, employees) are shown for context and are not scored, and two values that match at the precision shown count as a tie.
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