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

Charles Schwab Premier Bank SS

Westlake, Texas · $26.58B in assets · beside the 11 other Texas banks over $10B

The filing

0.00%
NPA / loans
1st of 11
0.0%
CRE / loans
1st of 11
14.9%
Efficiency
1st of 12

Charles Schwab Premier Bank SS is the fourth largest of the 12 Texas banks nearest its size over $10B, with $26.58B in assets at 30 June 2026. Loans are 0.0% of deposits, 2nd of 12 against a median of 81.6%, and equity is 7.9% of assets, 11th of 12. Loans grew -100.0% in the year, the slowest in the cohort, and deposits grew 10.2%; the cohort's median loan growth is +4.3%.

Nothing on the book is noncurrent; 0.00% is 30 to 89 days past due, and the allowance is 0.0% of loans, the lowest in the cohort. Commercial real estate is 0.0% of loans, the lowest in the cohort against a median of 27.7%, and 0% of capital, below the 300% screen, with construction at 0% against the 100% screen.

Return on assets is 1.47%, 5th of 12 against a median of 1.33%, on an efficiency ratio of 14.9%, the lowest in the cohort. Five years ago it was 0.64%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Commercial real estate, share of loansTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 27.7% 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% IB International Bank of Com 60.9%
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% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% 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 SchwabRankCohort median
Total CRE against capital, the 300% screen0%1st of 12120%
Construction against capital, the 100% screen0%1st of 1239%
Construction and land development, share of loans0.0%1st of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans0.0%1st of 1110.2%
Total CRE, the guidance definition, share of loans0.0%1st of 1127.7%
CRE growth over 36 months, the third prongno record+6.5%
Commercial real estate against capital, the 300% screenTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 120% 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% IB International Bank of Com 215% 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 +6.5% 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% IB International Bank of Com +32.8% 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
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%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Charles SchwabCohort median
20212026Change20212026Change
Loans$0K$1M$5.53B$8.82B+59%
Deposits$30.88B$24.46B-21%$10.30B$12.17B+18%
NPA / loansno record0.00%0.54%0.77%+0.23 pts
Efficiency29.7%14.9%-14.8 pts52.6%51.0%-1.6 pts
ROA0.64%1.47%+0.82 pts1.26%1.33%+0.06 pts

This read was prepared for Charles Schwab Premier Bank SS'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 Premier Bank SS 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

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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