Charles Schwab Premier Bank, SSB
Charles Schwab Premier Bank, SSB reported total assets of $26.6 bn at Q2 2026, up 8.8% on a year earlier, the 81st largest of 497 banks in our US coverage. The CET1 capital ratio at Charles Schwab Premier Bank, SSB was 49.32%, and the uninsured share of Charles Schwab Premier Bank, SSB was 1.56%. Source: FDIC Call Reports.
Key takeaways
- Charles Schwab Premier Bank, SSB reports one of the lowest noncurrent loans to total loans readings among banks of $10 bn to $100 bn: 0.00% at , where the median of the 126 banks is 0.66% (FDIC Call Reports).
- The loan-to-deposit ratio of Charles Schwab Premier Bank, SSB, 0.00% at , places Charles Schwab Premier Bank, SSB in the bottom tenth of banks of $10 bn to $100 bn (group median 85.69%; FDIC Call Reports).
- Among the 126 banks of $10 bn to $100 bn, few report a lower efficiency ratio than Charles Schwab Premier Bank, SSB, at 14.86% in ; the group median is 55.14% (FDIC Call Reports).
What sets Charles Schwab Premier Bank, SSB apart
- Charles Schwab Premier Bank, SSB reports one of the lowest uninsured share of domestic deposits readings among banks of $10 bn to $100 bn: 1.56% at , where the median of the 126 banks is 38.56%.
- At 49.32%, the common equity tier 1 (CET1) ratio of Charles Schwab Premier Bank, SSB sits in the top tenth of its size group ($10 bn to $100 bn, 126 banks), where the median is 12.97%.
- The net loans and leases of Charles Schwab Premier Bank, SSB fell to $1.0 mn at , from $2.3 bn at , one of the largest falls among covered banks.
How large is Charles Schwab Premier Bank, SSB?
The balance sheet of Charles Schwab Premier Bank, SSB at : assets $26.6 bn, deposits $24.5 bn, net loans $1.0 mn (loans equal to 0.00% of deposits). Securities make up 86.0% of total assets at Charles Schwab Premier Bank, SSB. Since , when Charles Schwab Premier Bank, SSB held $254.1 mn, its assets grew 10,360.1%. In the year to , deposits at Charles Schwab Premier Bank, SSB rose 10.2% while its total assets rose 8.8%. At , Charles Schwab Premier Bank, SSB employed 161 full-time equivalent staff across 1 office, about $165.1 mn of assets per employee and $24.5 bn of deposits per office.
How much funding at Charles Schwab Premier Bank, SSB is uninsured?
At Charles Schwab Premier Bank, SSB, uninsured deposits (above the FDIC limit) made up 1.56% of domestic deposits at (-1.17 pp on a year earlier); Charles Schwab Premier Bank, SSB ranks 492nd of 500 on this measure. In dollars, Charles Schwab Premier Bank, SSB estimated $382.0 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $24.5 bn | +10.2% | 74th of 499 |
| Net loans and leases | $1.0 mn | Down from $2.3 bn (Q2 2025) | 497th of 500 |
| Loan-to-deposit ratio | 0.00% | -10.38 pp | 498th of 500 |
| Tier 1 leverage ratio | 10.90% | -2.26 pp | 181st of 500 |
| Total risk-based capital ratio | 49.32% | -5.17 pp | 7th of 448 |
| Net interest margin | 2.44% | +0.22 pp | 464th of 500 |
| Return on assets (ROA) | 1.52% | +0.08 pp | 148th of 500 |
| Efficiency ratio | 14.86% | -0.72 pp | 4th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $645.0 mn | Widened by $29.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $139.0 mn | Narrowed by $51.0 mn | |
| Noncurrent loans to total loans | 0.00% | 0.00 pp | 1st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.00% | 0.00 pp | 50th of 500 (1 = lowest) |
US rank of Charles Schwab Premier Bank, SSB: 1 = highest unless marked 1 = lowest.
Balance sheet
Charles Schwab Premier Bank, SSB: assets, deposits and loans
- Total assets $26.6bn
- Deposits $24.5bn
- Net loans $1mn
Capital and securities
The CET1 ratio of Charles Schwab Premier Bank, SSB stood at 49.32% in , -5.17 pp year on year. Low and high at Charles Schwab Premier Bank, SSB since : 22.61% () to 1,725.50% (). Equity capital of Charles Schwab Premier Bank, SSB at : $2.1 bn, or 7.9% of total assets. Charles Schwab Premier Bank, SSB also reported a total capital ratio of 49.32% for , and a tier 1 leverage ratio of 10.90%.
On held-to-maturity securities, Charles Schwab Premier Bank, SSB carried an unrealized loss of $645.0 mn at , equal to 30.8% of equity capital. The loss widened by $29.0 mn over the year. Its deepest point: $1.7 bn in . The available-for-sale portfolio of Charles Schwab Premier Bank, SSB showed an unrealized loss of $139.0 mn at ; the loss narrowed by $51.0 mn over the year.
Charles Schwab Premier Bank, SSB: capital ratios
- Total capital 49%
- CET1 49%
- Tier 1 leverage 11%
Charles Schwab Premier Bank, SSB: unrealized securities gains and losses
- Available for sale -$139mn
- Held to maturity -$645mn
Profitability and loan quality
For the year to , Charles Schwab Premier Bank, SSB earned a return on equity of 20.07%; return on assets: 1.52%. Net interest margin at Charles Schwab Premier Bank, SSB: 2.44%, +0.22 pp in a year. Charles Schwab Premier Bank, SSB net income: $205.0 mn, up 12.6% year on year. The efficiency ratio of Charles Schwab Premier Bank, SSB was 14.86%: about 15 cents cost per revenue dollar, against 51 cents at the median peer.
At , noncurrent loans were 0.00% of total loans at Charles Schwab Premier Bank, SSB; net charge-offs: 0.00% of average loans. Gross loans and leases at Charles Schwab Premier Bank, SSB: $1.0 mn at , against $2.3 bn at .
Charles Schwab Premier Bank, SSB: profitability
- Return on equity 20%
- Net interest margin 2.4%
- Return on assets 1.5%
Peer group of Charles Schwab Premier Bank, SSB
The peer group of Charles Schwab Premier Bank, SSB is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 3 share the charter type of Charles Schwab Premier Bank, SSB (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Texas. Against them, Charles Schwab Premier Bank, SSB shows CET1 ratio 49.32% against a peer median of 12.68%, return on equity 20.07% against a peer median of 9.39% and uninsured deposit share 1.56% against a peer median of 40.36%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| WesBanco Bank, Inc. | State nonmember bank | WV | $27.7 bn | 12.24% | 9.16% | 32.23% | |
| WaFd Bank | State nonmember bank | WA | $27.6 bn | 12.95% | 8.98% | 31.10% | |
| Renasant Bank | State member bank | MS | $27.0 bn | 12.41% | 9.17% | 46.27% | |
| Charles Schwab Premier Bank, SSB | State member bank | TX | $26.6 bn | 49.32% | 20.07% | 1.56% | |
| Customers Bank | State member bank | PA | $26.5 bn | 13.55% | 13.06% | 44.28% | |
| First Interstate Bank | State member bank | MT | $25.8 bn | 14.32% | 9.61% | 36.43% | |
| Provident Bank | State-chartered stock savings bank | NJ | $25.7 bn | 12.10% | 10.63% | 54.14% | |
. FDIC Call Reports.
Last eight quarters
Two years at Charles Schwab Premier Bank, SSB, to : assets +3.1%, deposits +13.8%, equity +2.7%. Staff 141 to 161.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $25.8 bn | $26.5 bn | $25.3 bn | $24.4 bn | $25.1 bn | $27.0 bn | $27.4 bn | $26.6 bn |
| Total deposits | $21.5 bn | $24.1 bn | $22.9 bn | $22.2 bn | $22.7 bn | $25.0 bn | $25.4 bn | $24.5 bn |
| Bank equity capital | $2.0 bn | $2.2 bn | $2.3 bn | $2.2 bn | $2.2 bn | $2.0 bn | $2.0 bn | $2.1 bn |
| CET1 ratio | 58.25% | 59.91% | 61.67% | 54.49% | 48.98% | 42.00% | 37.38% | 49.32% |
| Return on equity (ROE) | 11.75% | 12.27% | 15.49% | 16.25% | 16.51% | 17.28% | 20.23% | 20.07% |
| Uninsured share of domestic deposits | 6.30% | 5.89% | 3.93% | 2.73% | 1.63% | 1.58% | 2.86% | 1.56% |
| Full-time equivalent employees | 141 | 141 | 140 | 145 | 151 | 198 | 156 | 161 |
| Number of offices | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
FDIC Call Reports.
Mergers and acquisitions
Large one-quarter moves at Charles Schwab Premier Bank, SSB
- Total assets at Charles Schwab Premier Bank, SSB changed by +31.2% in the quarter to 2016-12-31, with no FDIC structure event in that quarter.
- Total assets at Charles Schwab Premier Bank, SSB changed by -96.8% in the quarter to 2017-12-31, with no FDIC structure event in that quarter.
- Total assets at Charles Schwab Premier Bank, SSB changed by +77708.8% in the quarter to 2018-03-31, with no FDIC structure event in that quarter.
- Total assets at Charles Schwab Premier Bank, SSB changed by +47.7% in the quarter to 2018-06-30, with no FDIC structure event in that quarter.
- Total assets at Charles Schwab Premier Bank, SSB changed by +35.8% in the quarter to 2018-09-30, with no FDIC structure event in that quarter.
- Total assets at Charles Schwab Premier Bank, SSB changed by +56.6% in the quarter to 2020-03-31, with no FDIC structure event in that quarter.
Questions and identifiers
What were the total assets of Charles Schwab Premier Bank, SSB?
Charles Schwab Premier Bank, SSB reported $26.6 bn at in its Call Report. That makes Charles Schwab Premier Bank, SSB the 81st largest of 497 banks in our US coverage.
Is Charles Schwab Premier Bank, SSB the same as its holding company?
No. This page covers Charles Schwab Premier Bank, SSB, FDIC certificate 33497; CHARLES SCHWAB CORP THE (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Charles Schwab Premier Bank, SSB profitable?
Charles Schwab Premier Bank, SSB reported net income of $205.0 mn for the year to ; annualized return on equity: 20.07%. So yes: Charles Schwab Premier Bank, SSB made a profit over these months.
When is data for Charles Schwab Premier Bank, SSB next updated?
Figures from Charles Schwab Premier Bank, SSB for are due after .
Where can I check the figures for Charles Schwab Premier Bank, SSB?
In the FDIC BankFind Suite record for certificate 33497, and in the Call Reports of Charles Schwab Premier Bank, SSB (RSSD ID 1893049) at the FFIEC Central Data Repository.