Charles Schwab Premier Bank SSB
Westlake, TX·RSSD 1893049·FDIC 33497·bank:1893049·Risk-based ratios where reported
- #5 of 352Total assets in Texas
- Top 2%Total assets in the U.S.
- 1offices
- 161employees
- Top 1%Cost of deposits vs. peers
- Top 1%Efficiency in the U.S.
- #1 of 310Lowest cost of deposits in Texas
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Charles Schwab Premier Bank SSB
6 of 23 FORFI signals stand out against 111 similar banks, based on FDIC data for the quarter.
Deposit costs among the lowest of similar banksStrength: Funding 2nd quarter0.08%peers 1.87%-179 bps
Charles Schwab Premier Bank SSB's cost of all deposits was 0.08%, compared with a median of 1.87% among 106 similar banks: the lowest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Cost of all deposits | ||
| 0.08% | 1.87% | -179 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Charles Schwab Premier Bank SSB itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the lowest of similar banksWorth a look: Earnings 2nd quarter0.00%peers 0.70%-70 bps
Charles Schwab Premier Bank SSB's noninterest income relative to average assets was 0.00%, compared with a median of 0.70% among 107 similar banks: the lowest of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 0.00% | 0.70% | -70 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Charles Schwab Premier Bank SSB itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-100.0%peers +6.3%-106.3 pp
Charles Schwab Premier Bank SSB's loans declined 100.0% over the past year to $1.0 million. The median among 109 similar banks was +6.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -100.0% | +6.3% | -106.3 pp |
| Loans | ||
| $1.0 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Charles Schwab Premier Bank SSB itself is left out of every peer median and percentile. How signals work
Leverage capital ratio falling while the peer median risesWorth a look: Capital 2nd quarter10.90%peers 10.33%+0.6 pp
Charles Schwab Premier Bank SSB's leverage ratio fell 2.3 percentage points over the past year to 10.90%. Among 111 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 10.90% | 10.33% | +0.6 pp |
| 12-month change | ||
| -2.3 pp | 0.0 pp | -2.3 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Charles Schwab Premier Bank SSB itself is left out of every peer median and percentile. How signals work
2 more observations
- Unrealized securities position worsening while the peer median improvesCapital
- Deposit costs falling more slowly than peersFunding
Key facts
- Charles Schwab Premier Bank SSB is a bank headquartered in Westlake, Texas. It reported $26.6 billion in total assets for the quarter ended June 30, 2026.
- Deposits totaled $24.5 billion, up 10.2% from a year earlier, and loans totaled $1.0 million, down 100.0%.
- Its net interest margin was 2.52% and its annualized return on assets was 1.53% for the quarter.
- Its cost of all deposits was 0.08%, compared with a median of 1.87% among 106 similar banks with $10 billion to $50 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Charles Schwab Premier Bank SSB's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Charles Schwab Premier Bank SSB · Bank
- Federal Reserve RSSD
- 1893049
- FDIC certificate
- 33497
- Reporting period
- Peer group
- 111 banks with $10 billion to $50 billion in assets that filed FDIC data for the same quarter. Charles Schwab Premier Bank SSB itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $103M | — | |
| $171M | — | |
| $5M | — | |
| $166M | — | |
| $0 | — | |
| $25M | — | |
| $0 | — | |
| $0 | — | |
| 1.53% | 1.53%ROAQ · Quarter | |
| 2.52% | 2.51%NIMYQ · Quarter | |
| 15.06% | 15.06%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.