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Charles Schwab Bank, SSB
Westlake, TX·FDIC Cert #57450·Charter: STATE·Est. 20030428.0·HC: CHARLES SCHWAB CORP THE
Total Assets
$253.8B
Q4 2025
Return on Assets
0.94%
+0.07%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
21.49%
Peer avg: 54.9%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
75
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.94%+0.07
ROE
11.76%+1.04
Efficiency
21.49%-1.63
Equity/Assets
0.00%+0.00
NPL Ratio
0.08%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
23.73%-0.04
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 | 0.2 | 0.2 | 0.2 | 0.3 | 0.7 | 0.8 | 0.9 | 0.9 |
| ROE | 4.1 | 3.8 | 3.4 | 4.5 | 9.6 | 10.0 | 10.7 | 11.8 |
| Efficiency | 54.3 | 55.1 | 55.4 | 48.2 | 25.9 | 24.3 | 23.1 | 21.5 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.0 | 0.0 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
| Loan/Deposit | 16.8 | 18.5 | 19.1 | 19.1 | 20.8 | 23.1 | 23.8 | 23.7 |
Balance Sheet
Total Assets$253.8B
Total Deposits$230.5B
Total Loans$54.7B
Total Equity$18.7B
Profitability
ROA0.94%
ROE11.76%
Efficiency Ratio21.49%
Net Income$2.4B
Risk & Asset Quality
NPL Ratio0.08%
Charge-off Rate0.00%
Loan/Deposit23.73%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans