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

Charles Schwab Trust Bank

Westlake, Texas · $10.51B in assets · beside the 11 other Texas banks over $10B

The filing

0.0%
Loans / deposits
1st of 12
7.7%
Equity / assets
12th of 12
2.01%
ROA
2nd of 12

Charles Schwab Trust Bank is the ninth largest of the 12 Texas banks nearest its size over $10B, with $10.51B in assets at 30 June 2026. Loans are 0.0% of deposits, the lowest in the cohort against a median of 81.6%, and equity is 7.7% of assets, the lowest in the cohort.

Return on assets is 2.01%, 2nd of 12 against a median of 1.33%, on an efficiency ratio of 25.4%, 2nd of 12. Five years ago it was 0.84%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Loans as a share of depositsTX banks over $10B · 30 June 2026 · lower is stronger, listed first
median 81.6% CS Charles Schwab Trust Bank 0.0% CS Charles Schwab Premier Bank SS 0.0% FB Frost Bank 52.6% FF First Financial Bank 62.9% PB Prosperity Bank 76.0% AN Amarillo National Bank 78.7% N Nexbank 84.5% TC Texas Capital Bank 84.9% SB Stellar Bank 86.0% SB Sunflower Bank National Association 86.9% PB Plainscapital Bank 87.0% IB International Bank of Com 109.0%
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%

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 Schwab Trust BankCohort median
20212026Change20212026Change
Loans$0K$0K$5.53B$8.82B+59%
Deposits$10.71B$9.68B-10%$10.30B$12.17B+18%
NPA / loansno recordno record0.54%0.77%+0.23 pts
Efficiency43.5%25.4%-18.0 pts52.6%51.0%-1.6 pts
ROA0.84%2.01%+1.17 pts1.26%1.33%+0.06 pts

This read was prepared for Charles Schwab Trust Bank'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 Trust Bank 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.
← Back to the catalogue