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Charles Schwab Premier Bank, SSB
Westlake, TX·FDIC Cert #33497·Charter: STATE·Est. 19910830.0·HC: CHARLES SCHWAB CORP THE
Total Assets
$27.0B
Q4 2025
Return on Assets
1.47%
+0.02%Peer avg: 1.17%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
15.30%
Peer avg: 52.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
74
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.47%+0.02
ROE
17.28%+0.77
Efficiency
15.30%-0.25
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
13.95%+1.36
Charge-offs
0.00%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.8 | 0.8 | 0.8 | 0.9 | 1.3 | 1.4 | 1.4 | 1.5 |
| ROE | 13.9 | 12.9 | 11.8 | 12.3 | 15.5 | 16.3 | 16.5 | 17.3 |
| Efficiency | 20.8 | 21.6 | 22.8 | 21.5 | 15.7 | 15.6 | 15.6 | 15.3 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | — | — | — | — | — | — | — | — |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 3.0 | 4.1 | 4.8 | 5.2 | 7.7 | 10.4 | 12.6 | 13.9 |
Balance Sheet
Total Assets$27.0B
Total Deposits$25.0B
Total Loans$3.5B
Total Equity$2.0B
Profitability
ROA1.47%
ROE17.28%
Efficiency Ratio15.30%
Net Income$376.0M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit13.95%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans