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Charles Schwab Trust Bank
Westlake, TX·FDIC Cert #59108·Charter: STATE·Est. 20180702.0·HC: CHARLES SCHWAB CORP THE
Total Assets
$10.4B
Q4 2025
Return on Assets
1.97%
-0.00%Peer avg: 1.22%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
27.05%
Peer avg: 55.7%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
78
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.97%-0.00
ROE
25.27%+0.33
Efficiency
27.05%-0.74
Equity/Assets
0.00%+0.00
NPL Ratio
0.00%+0.00
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
0.00%+0.00
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 | 1.7 | 1.7 | 1.7 | 1.8 | 1.9 | 1.9 | 2.0 | 2.0 |
| ROE | 24.8 | 22.9 | 21.5 | 22.5 | 24.2 | 24.4 | 24.9 | 25.3 |
| Efficiency | 30.1 | 30.2 | 30.3 | 29.5 | 29.7 | 28.4 | 27.8 | 27.1 |
| 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 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 |
Balance Sheet
Total Assets$10.4B
Total Deposits$9.6B
Total Loans$0
Total Equity$765.8M
Profitability
ROA1.97%
ROE25.27%
Efficiency Ratio27.05%
Net Income$195.7M
Risk & Asset Quality
NPL RatioN/A
Charge-off Rate0.00%
Loan/Deposit0.00%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans