FDIC Cert #59108 · Westlake, Texas · Est. 2018

Charles Schwab Trust Bank - FDIC Bank Health Profile

A community-scale look at Charles Schwab Trust Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$10.4B
Total assets
A
Health grade · Excellent
1.97%
Return on assets
86.0%
Tier 1 capital

Data updated July 2026

The verdict

Charles Schwab Trust Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 85.96% Tier 1, profitable at 1.97% ROA, efficient (27% cost ratio).

#152
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
85.96%
Tier 1 ratio - above the 10% well-capitalized line
90th
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 59108 · TX A · 100/100

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

  • GRADE-A A (100/100)
  • TOP-DECILE #6/4307
  • PHOTO-FINISH Stifel Trust Company… · DE
  • TIER1-WELL 86.0% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-STRONG 1.97% ROA
  • SIZE-LARGE $10–100B
  • BOOK-RICH 8/9 fields

Nearest health peer outside Texas: Stifel Trust Company Delaware, National Association, DE (±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 Trust Bank

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

Charles Schwab Trust… · TX ·…100/100Community State Bank · CO · …100/100GS&L Municipal Bank · NY · n…100/100Morgan Stanley Bank,… · UT ·…100/100Square Financial Ser… · UT ·…100/100Stifel Trust Company… · DE ·…100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Charles Schwab Trust Bank · July 2026

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

Charles Schwab Trust Bank (FDIC Cert #59108) carries a PlainBankData health grade of A at 100/100, 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 #6 of 4,307. Tier 1 capital prints at 85.96%, 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 1.97%. Balance-sheet scale is $10.4B, 152nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Stifel Trust Company Delaware, National Association (DE), 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 Trust Bank

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

Charles Schwab Trust Bank 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 Trust Bank'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 Trust Bank's 100/100 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 avg77/100100/100
Charles Schwab Trust Bank's composite health score
Tier 1 Capital Ratio (85.96%) 40/40
Return on Assets (ROA) (1.97%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (27.05%) 15/15

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

Balance sheet at a glance

Total Assets

$10.4B

Total balance-sheet footings

Total Deposits

$9.6B

Customer-funded liabilities

Net Loans

-

Outstanding loan book

Net Income

$196M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 20% 40% 60% 80% 100% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 84.56% 85.96% 87.36%
Basel III capital ratios - Charles Schwab Trust Bank

Where Charles Schwab Trust Bank ranks

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

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

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than all other reporting 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 Trust Bank 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 Trust Bank'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 Trust Bank's $10.4B falls in the highlighted band.

Capital & credit buffers at Charles Schwab Trust Bank

Tier 1 capital ratio
Well-capitalized 10%

85.96% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
85.96%
Texas Ratio
0.00%
Equity Capital
$766M

What these ratios mean →

Earnings posture at Charles Schwab Trust Bank

Return on Assets (ROA)
90th percentile nationally
1.97%
Return on Equity (ROE)
25.27%
Efficiency Ratio
27.05%

What these mean →

Income & expense at Charles Schwab Trust Bank

$260M
Interest Income
$119M
Non-Interest Income
$95M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Charles Schwab Trust Bank 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 Trust Bank 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 Trust Bank by assets

Charles Schwab Trust Bank is closely matched in total assets by EagleBank, Washington Trust Bank, Bank Hapoalim B.M., Stellar Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 0.45%, versus Charles Schwab Trust Bank's own 1.97%; the average efficiency ratio is 53.32%, versus 27.05% here; and average Tier 1 capital sits at 11.06%, versus 85.96% at Charles Schwab Trust Bank. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $10.4B in assets, Charles Schwab Trust Bank 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 Trust Bank nationally by total assets
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  3. 3
    Bank Hapoalim B.M. $10.2B

    New York, NY · Grade F

  4. 4
    Stellar Bank $10.8B

    Houston, TX · Grade A

  5. 5
    S&T Bank $9.9B

    Indiana, PA · Grade A

  6. 6
    Columbia Bank $11.0B

    Fair Lawn, NJ · Grade B

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 Trust Bank (this bank) TX $10.4B 1.97% 27.05% 85.96%
EagleBank MD $10.4B -1.20% 63.82% 13.35%
Washington Trust Bank WA $10.7B 0.89% 71.60% 11.68%
Bank Hapoalim B.M. NY $10.2B 0.00% 0.00% 0.00%
Stellar Bank TX $10.8B 1.07% 59.50% 13.83%
S&T Bank PA $9.9B 1.43% 55.21% 14.30%
Columbia Bank NJ $11.0B 0.48% 69.77% 13.20%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($10.4B here), outside Texas so the neighborhood is not state containment.

EagleBank $10.4B · MD Washington Trust Bank $10.7B · WA Bank Hapoalim B.M. $10.2B · NY S&T Bank $9.9B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Charles Schwab Trust Bank (FDIC Cert #59108) - 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 Trust Bank 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%
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%