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Charles Schwab Bank, SSB
Westlake, TX · FDIC Certificate #57450 · Chartered 04/2
Total assets
$250.83B
Total deposits
$225.25B
Total equity
$18.10B
Net loans
$67.24B
Branches (offices)
1
Net income (YTD)
$1.65B
Rank: #17 of 4,213 U.S. banks by assets · #1 of 346 in Texas. Assets changed 1.3% and deposits 7.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.33% |
| Return on equity | 18.03% |
| Net interest margin (YTD) | 2.14% |
| Equity to assets | 7.21% |
| Tier 1 leverage ratio | 10.65% |
| Uninsured deposits (share of deposits) | 19.0% |
| Noncurrent loans (share of loans) | 0.04% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 29.9% |
| Real estate loans (share of loans) | 49.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $33.20B | 49.4% | |
| Commercial & industrial | $0 | 0.0% | |
| Consumer / individual | $18.00M | 0.0% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $407.90B | $389.49B | $1.57B | $17.57B |
| Jun 2023 | $329.35B | $271.77B | $685.00M | $13.55B |
| Jun 2024 | $273.82B | $224.02B | $314.00M | $17.38B |
| Jun 2025 | $247.66B | $209.55B | $1.04B | $21.24B |
| Jun 2026 | $250.83B | $225.25B | $1.65B | $18.10B |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $225.25B | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $225.25B.
Similar-sized banks
Bmo Bank National Association ($254.97B) · Morgan Stanley Private Bank, National Association ($250.43B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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