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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Charles Schwab Bank SSB

Westlake, Texas · $250.83B in assets · beside the 11 other Texas banks over $10B

The filing

7.2%
Equity / assets
12th of 12
0.0%
CRE / loans
1st of 11
0.0%
CRE / capital
1st of 12

Charles Schwab Bank SSB is the largest of the 12 Texas banks nearest its size over $10B, with $250.83B in assets at 30 June 2026. Loans are 29.9% of deposits, 3rd of 12 against a median of 77.3%, and equity is 7.2% of assets, the lowest in the cohort. Loans grew +39.1% in the year, 2nd of 11, and deposits grew 7.5%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 0.04% of the book, 2nd of 11 against a median of 0.69%; 0.19% is 30 to 89 days past due, and the allowance covers them 1.5 times. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 24.2%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.30%, 7th of 12 against a median of 1.30%, on an efficiency ratio of 17.6%, 2nd of 12. Five years ago it was 0.65%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Commercial real estate, share of loansTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 24.2% CS Charles Schwab Bank SSB 0.0% CS Charles Schwab Premier Bank SS 0.0% AN Amarillo National Bank 7.9% N Nexbank 15.8% TC Texas Capital Bank 16.1% FF First Financial Bank 24.2% FB Frost Bank 27.7% PB Prosperity Bank 31.1% PB Plainscapital Bank 34.9% SB Sunflower Bank National Association 35.3% SB Stellar Bank 39.1%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% CS Charles Schwab Bank SSB +39.1% PB Prosperity Bank +12.8% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Charles Schwab Bank SSBRankCohort median
Total CRE against capital, the 300% screen0%1st of 12111%
Construction against capital, the 100% screen0%1st of 1224%
Construction and land development, share of loans0.0%1st of 114.2%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 118.8%
Total CRE, the guidance definition, share of loans0.0%1st of 1124.2%
CRE growth over 36 months, the third prongno record+4.4%
Commercial real estate against capital, the 300% screenTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 111% CS Charles Schwab Bank SSB 0% CS Charles Schwab Premier Bank SS 0% CS Charles Schwab Trust Bank 0% AN Amarillo National Bank 48% TC Texas Capital Bank 105% FF First Financial Bank 107% N Nexbank 116% FB Frost Bank 123% PB Prosperity Bank 171% SB Sunflower Bank National Association 228% SB Stellar Bank 246% PB Plainscapital Bank 255%
CRE growth over 36 months, the guidance's third prongTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median +4.4% N Nexbank -33.0% AN Amarillo National Bank -23.0% SB Stellar Bank -18.0% TC Texas Capital Bank -7.1% FB Frost Bank +4.4% PB Plainscapital Bank +8.5% PB Prosperity Bank +12.7% FF First Financial Bank +17.2% SB Sunflower Bank National Association +224.9%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Charles Schwab Bank SSB$250.83B1.3%17.6%0.04%0.00%0.1%29.9%7.2%
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Charles Schwab Bank SSBCohort median
20212026Change20212026Change
Loans$29.01B$67.28B+132%$5.70B$9.30B+63%
Deposits$327.41B$225.25B-31%$11.27B$13.39B+19%
NPA / loans0.19%0.04%-0.15 pts0.54%0.69%+0.15 pts
Efficiency31.6%17.6%-14.0 pts49.9%51.0%+1.1 pts
ROA0.65%1.30%+0.65 pts1.15%1.30%+0.15 pts

This read was prepared for Charles Schwab Bank SSB's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Charles Schwab Bank SSB is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.schwabbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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