Total Assets
$10.4B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$9.6B
Customer-funded liabilities
Net Loans
-
Outstanding loan book
Net Income
$196M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
90th percentile nationally
1.97%
Return on Equity (ROE)
25.27%
Efficiency Ratio
27.05%
What the numbers say about Charles Schwab Trust Bank
Charles Schwab Trust Bank is an FDIC-insured institution (Certificate #59108) headquartered in Westlake, Texas, established in 2018. It holds $10.4B in total assets - 152nd of 4,313 FDIC-insured banks, $9.6B in customer deposits, and - in net loans. Looking at capital strength, Tier 1 stands at 85.96%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 0.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (100/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Charles Schwab Trust Bank's asset base places it among the largest FDIC-insured institutions in the country, 152nd of 4,313 nationally, and 10th of 350 banks headquartered in Texas. Only Stellar Bank ($10.8B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$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.
Top banks in Texas by total assets
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.
| Bank | State | Assets | ROA | Efficiency | Tier 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% |
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.
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% |
| 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% |
Frequently asked questions
What is Charles Schwab Trust Bank's health grade?▼
Charles Schwab Trust Bank receives a health grade of A (100/100) 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 Trust Bank?▼
Charles Schwab Trust Bank holds $10.4B in total assets and $9.6B in deposits, ranking 152nd of 4,313 FDIC-insured banks by asset size. It is headquartered in Westlake, Texas.
Is my money safe at Charles Schwab Trust Bank?▼
Yes, deposits at Charles Schwab Trust Bank (Certificate #59108) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Charles Schwab Trust Bank's Tier 1 Capital Ratio?▼
Charles Schwab Trust Bank has a Tier 1 Capital Ratio of 85.96%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Charles Schwab Trust Bank?▼
Charles Schwab Trust Bank has a Texas Ratio of 0.00%. A ratio below 50% is generally considered 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 Trust Bank?▼
Charles Schwab Trust Bank has an Efficiency Ratio of 27.05%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Charles Schwab Trust Bank's profile as a depositor or analyst.
- Charles Schwab Trust Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Charles Schwab Trust Bank 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.