Total Assets
$27.0B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$25.0B
Customer-funded liabilities
Net Loans
$3.5B
Outstanding loan book
Net Income
$376M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.47%
Return on Equity (ROE)
17.28%
Efficiency Ratio
15.30%
What the numbers say about Charles Schwab Premier Bank, SSB
Charles Schwab Premier Bank, SSB is an FDIC-insured institution (Certificate #33497) headquartered in Westlake, Texas, established in 1991. It holds $27.0B in total assets - 81st of 4,313 FDIC-insured banks, $25.0B in customer deposits, and $3.5B in net loans. Capital-wise, the Tier 1 ratio sits at 42.00%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Charles Schwab Premier Bank, SSB sits in the top decile of all FDIC-insured institutions by asset size (81st of 4,313), and within Texas it ranks 5th of 350 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is First Financial Bank, at $15.4B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Texas by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
Other banks in Texas
All Texas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Charles Schwab Premier Bank, SSB's health grade?▼
Charles Schwab Premier Bank, SSB receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Charles Schwab Premier Bank, SSB?▼
Charles Schwab Premier Bank, SSB holds $27.0B in total assets and $25.0B in deposits, ranking 81st of 4,313 FDIC-insured banks by asset size. It is headquartered in Westlake, Texas.
Is my money safe at Charles Schwab Premier Bank, SSB?▼
Yes, deposits at Charles Schwab Premier Bank, SSB (Certificate #33497) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Charles Schwab Premier Bank, SSB's Tier 1 Capital Ratio?▼
Charles Schwab Premier Bank, SSB has a Tier 1 Capital Ratio of 42.00%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Charles Schwab Premier Bank, SSB?▼
Charles Schwab Premier Bank, SSB has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Charles Schwab Premier Bank, SSB?▼
Charles Schwab Premier Bank, SSB has an Efficiency Ratio of 15.30%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Charles Schwab Premier Bank, SSB's profile as a depositor or analyst.
- Charles Schwab Premier Bank, SSB's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Charles Schwab Premier Bank, SSB against other Texas banks before moving funds. Texas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.