Charles Schwab Bank, SSB: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Capital moved notably last quarter, CET1 ratio of 30.14% was down 384bps from the prior quarter. Charles Schwab Bank, SSB is an FDIC-insured commercial bank. Returns are notably above industry norms: 1.34% ROA, 18.70% ROE, and 2.21% NIM. Charles Schwab Bank, SSB's Q2 2026 balance sheet shows $250.8B in assets funded primarily by $225.2B in customer deposits. Capital is comfortably above regulatory requirements, CET1 ratio of 30.14% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is pristine, 0.06% NPLs and a 0.23% Texas Ratio. The bank operates from a single office.
As of June 30, 2026, Charles Schwab Bank, SSB reported a CET1 capital ratio of 30.14%, a return on assets of 1.34%, a nonperforming-loan ratio of 0.06%, a Texas ratio of 0.23%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 3000 Schwab Way, Westlake, TX 76262
- County
- Denton
- Metro Area
- Dallas-Fort Worth-Arlington, TX
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 031
- Established
- April 28, 2003
- Former names
- Charles Schwab Bank (2007-2020)
- Offices
- 1 domestic
- Employees (FTE)
- 1,133
- Domestic deposits
- $225.25B
- Allowance for credit losses
- $37.0M
- Net charge-offs (YTD)
- $0
- Average total assets
- $254.28B
- Average total loans
- $63.43B
- Average interest-bearing deposits
- $221.84B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- April 28, 2003
- FDIC Cert
- 57450
- Fed RSSD
- 3150447
- SEC CIK
- 316709 → filed by CHARLES SCHWAB CORPORATION, THE
- Website
- www.schwabbank.com →
- Parent Holding Company
- CHARLES SCHWAB CORPORATION, THE (RSSD 1026632) · SCHW
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Wurster Richard A | CEO | President & CEO |
| Verdeschi Michael D | CFO | CFO |
| Martinetto Joseph R | COO | COO |
| Bettinger Walter W | CHR | Co-Chairman |
| Murtagh Nigel J | CRO | Chief Risk Officer |
| Morgan Peter J. Iii | GC | General Counsel |
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Charles Schwab Bank, SSB terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Charles Schwab Bank, SSB, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses equal to more than a quarter of book equity. Because HTM is held at amortized cost, these losses are not reflected in reported capital, the dynamic that masked Silicon Valley Bank's insolvency before its March 2023 failure. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
Charles Schwab Bank, SSB rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 30.14% | 1.34% | 0.06% | 0.23% | 2.21% |
| Q1 2026 | 33.99% | 1.27% | 0.07% | 0.22% | 2.10% |
| Q4 2025 | 35.93% | 1.15% | 0.08% | 0.25% | 1.97% |
| Q3 2025 | 40.81% | 1.01% | 0.08% | 0.20% | 1.65% |
| Q2 2025 | 41.98% | 0.83% | 0.08% | 0.18% | 1.52% |
| Q1 2025 | 43.37% | 0.73% | 0.07% | 0.14% | 1.34% |
| Q4 2024 | 41.70% | 0.52% | 0.08% | 0.18% | 1.00% |
| Q3 2024 | 40.55% | 0.19% | 0.06% | 0.12% | 0.60% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 1 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Charles Schwab Bank, SSB (main office) | Westlake , TX | 76262 | $225.25B |
Regulatory record
What the public regulatory sources show for Charles Schwab Bank, SSB, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 14.2% of deposits in TX, rank 2 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 8,126 applications, 6,065 loans originated, $6.20B originated, across 51 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- 364 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Charles Schwab Bank, SSB
What are Charles Schwab Bank, SSB's total assets?
As of the Q2 2026 filing, Charles Schwab Bank, SSB reported total assets of $250.83 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Charles Schwab Bank, SSB headquartered?
Charles Schwab Bank, SSB is headquartered in Westlake, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Charles Schwab Bank, SSB founded?
Charles Schwab Bank, SSB was established in 2003, per the FDIC institution directory.
Is Charles Schwab Bank, SSB FDIC-insured?
Yes. Charles Schwab Bank, SSB is an FDIC-insured commercial bank (FDIC Certificate #57450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Charles Schwab Bank, SSB?
Charles Schwab Bank, SSB's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Charles Schwab Bank, SSB's CET1 capital ratio?
Charles Schwab Bank, SSB reported a Common Equity Tier 1 (CET1) capital ratio of 30.14% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Charles Schwab Bank, SSB operate?
Charles Schwab Bank, SSB operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Charles Schwab Bank, SSB's Texas Ratio?
Charles Schwab Bank, SSB's Texas Ratio is 0.23% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Charles Schwab Bank, SSB previously called?
The charter now named Charles Schwab Bank, SSB has also operated as Charles Schwab Bank (2007-2020), per FDIC structure-change records.
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