FDIC Cert #57450 · Westlake, Texas · Est. 2003

Charles Schwab Bank, SSB - FDIC Bank Health Profile

One of the largest FDIC-insured institutions in the country, drawn straight from its quarterly Call Report to BankFind Suite.

Compiled from official public sources by the publisher.
$253.8B
Total assets
A
Health grade · Excellent
0.94%
Return on assets
35.9%
Tier 1 capital

Data updated July 2026

The verdict

Charles Schwab Bank, SSB earns a PlainBankData health grade of A (89/100), with well-capitalized at 35.93% Tier 1, 0.94% ROA, efficient (21% cost ratio).

#14
largest of 4,313 FDIC banks by assets
100th
percentile by asset size, nationally
35.93%
Tier 1 ratio - above the 10% well-capitalized line
38th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 57450 · TX A · 89/100

GRADE-A · UPPER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MEGA · BOOK-FULL

  • GRADE-A A (89/100)
  • UPPER-Q #816/4307
  • PHOTO-FINISH Greene County Commer… · NY
  • TIER1-WELL 35.9% Tier 1
  • TEXAS-CLEAN 0.2% Texas
  • ROA-PAR 0.94% ROA
  • SIZE-MEGA ≥$100B assets
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Greene County Commercial Bank, NY (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Charles Schwab Bank, SSB

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Beal Bank USA · NV · near89/100Charles Schwab Bank,… · TX ·…89/100Greene County Commer… · NY ·…89/100National Advisors Tr… · KS ·…89/100nbkc bank · KS · near89/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Charles Schwab Bank, SSB · July 2026

Call Report read for Charles Schwab Bank, SSB in a high-failure state

Charles Schwab Bank, SSB (FDIC Cert #57450) carries a PlainBankData health grade of A at 89/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #816 of 4,307. Tier 1 capital prints at 35.93%, clearing the 10% well-capitalized line. The Texas Ratio is 0.23%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.94%. Balance-sheet scale is $253.8B, 14th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Greene County Commercial Bank (NY), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Charles Schwab Bank, SSB

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Charles Schwab Bank, SSB sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Charles Schwab Bank, SSB's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Charles Schwab Bank, SSB's 89/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10089/100
Charles Schwab Bank, SSB's composite health score
Tier 1 Capital Ratio (35.93%) 40/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (0.23%) 20/20
Efficiency Ratio (21.49%) 15/15

89 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$253.8B

Total balance-sheet footings

Total Deposits

$230.5B

Customer-funded liabilities

Net Loans

$54.7B

Outstanding loan book

Net Income

$2.4B

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 34.53% 35.93% 37.33%
Basel III capital ratios - Charles Schwab Bank, SSB

Where Charles Schwab Bank, SSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Charles Schwab Bank, SSB's score of 89/100 falls in the highlighted band.

Charles Schwab Bank, SSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

89 Top 19% higher than 81% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Charles Schwab Bank, SSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Charles Schwab Bank, SSB's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Charles Schwab Bank, SSB's $253.8B falls in the highlighted band.

Capital & credit buffers at Charles Schwab Bank, SSB

Tier 1 capital ratio
Well-capitalized 10%

35.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
35.93%
Texas Ratio
0.23%
Equity Capital
$18.7B

What these ratios mean →

Profitability metrics: Charles Schwab Bank, SSB

Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
11.76%
Efficiency Ratio
21.49%

What these mean →

Income & expense at Charles Schwab Bank, SSB

$6.0B
Interest Income
$32M
Non-Interest Income
$863M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Charles Schwab Bank, SSB reports a Texas Ratio of 0.23% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Charles Schwab Bank, SSB on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

National size peers: banks closest to Charles Schwab Bank, SSB by assets

Charles Schwab Bank, SSB is closely matched in total assets by Morgan Stanley Bank, Morgan Stanley Private Bank, BMO Bank, First-Citizens Bank & Trust Company across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.16%, versus Charles Schwab Bank, SSB's own 0.94%; the average efficiency ratio is 46.10%, versus 21.49% here; and average Tier 1 capital sits at 16.27%, versus 35.93% at Charles Schwab Bank, SSB. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $253.8B in assets, Charles Schwab Bank, SSB sits well above the $100 billion threshold at which the Dodd-Frank Act, as amended by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act, applies enhanced prudential standards -- more frequent capital and liquidity stress testing and formal resolution ("living will") planning -- on top of the $10 billion threshold at which the CFPB, rather than the bank's primary prudential regulator, takes over direct supervision for consumer-protection compliance.

Closest banks to Charles Schwab Bank, SSB nationally by total assets
  1. 1
    Morgan Stanley Bank $253.3B

    Salt Lake City, UT · Grade A

  2. 2
    Morgan Stanley Private Bank $254.7B

    Purchase, NY · Grade A

  3. 3
    BMO Bank $252.1B

    Chicago, IL · Grade A

  4. 4
    First-Citizens Bank & Trust Company $229.3B

    Raleigh, NC · Grade B

  5. 5
    Citizens Bank $225.9B

    Providence, RI · Grade B

  6. 6
    The Huntington National Bank $224.0B

    Columbus, OH · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Charles Schwab Bank, SSB (this bank) TX $253.8B 0.94% 21.49% 35.93%
Morgan Stanley Bank, National Association UT $253.3B 1.86% 19.99% 20.29%
Morgan Stanley Private Bank, National Association NY $254.7B 1.10% 23.14% 26.06%
BMO Bank National Association IL $252.1B 0.95% 53.85% 14.74%
First-Citizens Bank & Trust Company NC $229.3B 1.00% 62.36% 12.55%
Citizens Bank, National Association RI $225.9B 0.87% 62.22% 12.27%
The Huntington National Bank OH $224.0B 1.20% 55.04% 11.72%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($253.8B here), outside Texas so the neighborhood is not state containment.

Morgan Stanley Bank $253.3B · UT Morgan Stanley Private Bank $254.7B · NY BMO Bank $252.1B · IL First-Citizens Bank & Trust Company $229.3B · NC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Charles Schwab Bank, SSB (FDIC Cert #57450) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Charles Schwab Bank, SSB Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%
Stellar BankHouston $10.8B A 1.07%