FDIC Cert #33497 · Westlake, Texas · Est. 1991

Charles Schwab Premier 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.
$27.0B
Total assets
A
Health grade · Excellent
1.47%
Return on assets
42.0%
Tier 1 capital

Data updated July 2026

The verdict

Charles Schwab Premier Bank, SSB earns a PlainBankData health grade of A (95/100), with well-capitalized at 42.00% Tier 1, profitable at 1.47% ROA, efficient (15% cost ratio).

#81
largest of 4,313 FDIC banks by assets
98th
percentile by asset size, nationally
42.00%
Tier 1 ratio - above the 10% well-capitalized line
73rd
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 33497 · TX A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-LARGE · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #314/4307
  • PHOTO-FINISH CIBC Bank USA · IL
  • TIER1-WELL 42.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.47% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: CIBC Bank USA, IL (±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 Premier Bank, SSB

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

Morgan Stanley Bank,… · UT ·…100/100Charles Schwab Premi… · TX ·…95/100CIBC Bank USA · IL · near95/100Citizens Community B… · TN ·…95/100Goldman Sachs Bank USA · NY …95/100Morgan Stanley Priva… · NY ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Charles Schwab Premier Bank, SSB · July 2026

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

Charles Schwab Premier Bank, SSB (FDIC Cert #33497) carries a PlainBankData health grade of A at 95/100, 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 #314 of 4,307. Tier 1 capital prints at 42.00%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.47%. Balance-sheet scale is $27.0B, 81st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is CIBC Bank USA (IL), 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 Premier Bank, SSB

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

Charles Schwab Premier 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 Premier 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 Premier Bank, SSB's 95/100 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 avg77/10095/100
Charles Schwab Premier Bank, SSB's composite health score
Tier 1 Capital Ratio (42.00%) 40/40
Return on Assets (ROA) (1.47%) 20/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (15.30%) 15/15

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

Balance sheet at a glance

Total Assets

$27.0B

Total balance-sheet footings

Total Deposits

$25.0B

Customer-funded liabilities

Net Loans

$3.5B

Outstanding loan book

Net Income

$376M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% 50% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 40.6% 42% 43.4%
Basel III capital ratios - Charles Schwab Premier Bank, SSB

Where Charles Schwab Premier Bank, SSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Charles Schwab Premier Bank, SSB's score of 95/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

95 Top 7% higher than 93% 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%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Charles Schwab Premier 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 Premier 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 Premier Bank, SSB's $27.0B falls in the highlighted band.

Capital & credit buffers at Charles Schwab Premier Bank, SSB

Tier 1 capital ratio
Well-capitalized 10%

42.00% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
42.00%
Texas Ratio
0.00%
Equity Capital
$2.0B

What these ratios mean →

Earnings posture at Charles Schwab Premier Bank, SSB

Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
17.28%
Efficiency Ratio
15.30%

What these mean →

Income & expense at Charles Schwab Premier Bank, SSB

$598M
Interest Income
-
Non-Interest Income
$88M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Charles Schwab Premier Bank, SSB reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Charles Schwab Premier 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 Premier Bank, SSB by assets

Measured strictly by total assets rather than geography, Charles Schwab Premier Bank, SSB's closest national peers include Axos Bank, WaFd Bank, Renasant Bank, Ameris Bank, spanning 6 different states -- a reminder that at this scale, competition and comparison happen nationally, not just within Texas. Averaged across this asset-matched cohort, return on assets runs 1.27% (Charles Schwab Premier Bank, SSB is above that at 1.47%), the efficiency ratio averages 51.92% (Charles Schwab Premier Bank, SSB runs leaner at 15.30%), and Tier 1 capital averages 13.37% (Charles Schwab Premier Bank, SSB holds more at 42.00%). None of this cohort competes on branch count alone -- balance-sheet scale, funding mix, and regulatory capital posture are the metrics that actually separate similarly-sized institutions.

At $27.0B in assets, Charles Schwab Premier Bank, SSB has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Charles Schwab Premier Bank, SSB nationally by total assets
  1. 1
    Axos Bank $27.2B

    San Diego, CA · Grade A

  2. 2
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  3. 3
    Renasant Bank $26.7B

    Tupelo, MS · Grade B

  4. 4
    Ameris Bank $27.4B

    Atlanta, GA · Grade A

  5. 5
    First Interstate Bank $26.6B

    Billings, MT · Grade A

  6. 6
    FirstBank $26.5B

    Lakewood, CO · 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 Premier Bank, SSB (this bank) TX $27.0B 1.47% 15.30% 42.00%
Axos Bank CA $27.2B 1.77% 42.85% 11.12%
WaFd Bank WA $27.3B 0.91% 54.50% 13.44%
Renasant Bank MS $26.7B 0.89% 61.24% 12.00%
Ameris Bank GA $27.4B 1.64% 46.67% 13.43%
First Interstate Bank MT $26.6B 1.20% 56.03% 14.13%
FirstBank CO $26.5B 1.20% 50.25% 16.10%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($27.0B here), outside Texas so the neighborhood is not state containment.

Axos Bank $27.2B · CA WaFd Bank $27.3B · WA Renasant Bank $26.7B · MS Ameris Bank $27.4B · GA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Charles Schwab Premier Bank, SSB (FDIC Cert #33497) - 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 Premier 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
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
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%