# CHARLES SCHWAB BANK SSB
WESTLAKE, TX · FDIC certificate 57450 · asset band >$100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $250.83B | |
| Deposits | $225.25B | |
| Loans and leases | $67.28B | |
| Total equity | $18.10B | |
| Loans / deposits | 29.85% (p12 of band) | 72.53% |
| Liquid assets / assets | 70.46% (p97 of band) | |
| Uninsured deposits / deposits | 19.04% (p16 of band) | 42.66% |
| Brokered deposits | 3.04% | |
| Wholesale funding | 5.36% (p16 of band) | |
| FHLB advances / assets | 0.20% | |
| Tier 1 leverage | 10.65% (p91 of band) | 9.44% |
| Unrealized securities loss / equity | -66.76% (p6 of band) | -9.97% |
| AOCI / equity | 2.65% (p100 of band) | |
| ROA (annualized) | 1.33% (p69 of band) | 1.18% |
| Net interest margin | 2.14% (p28 of band) | 3.14% |
| Efficiency ratio | 17.57% (p3 of band) | |
| Noncurrent loans | 0.04% (p3 of band) | 0.85% |
| Net charge-offs (annualized) | 0.00% (p12 of band) | |
| Reserve coverage of noncurrent | 148.00% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $408.0M (2% of equity) (p9 of band) | |
| Deposits YoY | 7.5% | |
| Employees | 1133 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **securities losses >30% of equity** (`cap_secloss`)
- **NIM <2.5%** (`earn_nim`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | NIM <2.5% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 2 | capital falling |  |
| 2012-12 | 3 | leverage <7% |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 |  |  |
| 2013-09 | 3 |  |  |
| 2013-12 | 2 |  | capital falling |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 |  | leverage <7% |
| 2014-09 | 1 |  |  |
| 2014-12 | 2 | leverage <7% |  |
| 2015-03 | 1 |  | leverage <7% |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 2 | reserve under noncurrent |  |
| 2016-12 | 3 | capital falling |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 1 |  | reserve under noncurrent, capital falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 4 | wholesale funding >15%, capital falling, reserve under noncurrent |  |
| 2018-03 | 4 | leverage <7% | wholesale funding >15% |
| 2018-06 | 1 |  | capital falling, reserve under noncurrent, leverage <7% |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | reserve under noncurrent |  |
| 2019-06 | 1 |  | reserve under noncurrent |
| 2019-09 | 2 | reserve under noncurrent |  |
| 2019-12 | 5 | capital falling, deposits shrinking, assets shrinking |  |
| 2020-03 | 3 | leverage <7% | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2020-06 | 3 |  |  |
| 2020-09 | 4 | reserve under noncurrent |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | capital falling |
| 2021-06 | 2 |  | leverage <7% |
| 2021-09 | 2 |  |  |
| 2021-12 | 3 | AOCI drag >20% of equity |  |
| 2022-03 | 4 | securities losses >30% of equity |  |
| 2022-06 | 3 |  | reserve under noncurrent |
| 2022-09 | 4 | uninsured deposits leaving |  |
| 2022-12 | 6 | deposits shrinking, assets shrinking |  |
| 2023-03 | 7 | brokered >10%, wholesale funding >15% | AOCI drag >20% of equity |
| 2023-06 | 7 |  |  |
| 2023-09 | 7 |  |  |
| 2023-12 | 7 |  |  |
| 2024-03 | 7 |  |  |
| 2024-06 | 7 |  |  |
| 2024-09 | 7 | reserve under noncurrent | uninsured deposits leaving |
| 2024-12 | 7 |  |  |
| 2025-03 | 7 |  |  |
| 2025-06 | 5 |  | brokered >10%, wholesale funding >15% |
| 2025-09 | 4 |  | deposits shrinking |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 | capital falling | reserve under noncurrent |
| 2026-06 | 3 |  | assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-16 [Charles Schwab Announces Details of Spot Crypto Trading Launch - pressroom.aboutschwab.com](https://news.google.com/rss/articles/CBMi2wFBVV95cUxQejRrTjZOLWR2a0tlRTc2djhDYkZuUzd2X09uZExiYW9mVFdyRFBubXpPTzViVGtYb3RUWUxydm43anNCeW9hYkxZZTZOSlVITGdhMzhIWkdJN3MxS3BtWVNZNTJRSTVMUHhuNGFLdmZreUk1MW5DcE5hVlZXNlc4WWxZeGZ0OC1kaDRJNFBKSGdYY20xdDh2V0w4a09fMFlkYzJ6RWx5bXNtanZ0MFRSdVBZYkFmMk1KeDVuYnlqbmRfU3NwSnBKZ3E5VmxBbzlPdW5iTzg2ajBZM3c?oc=5) · pressroom.aboutschwab.com
- 2026-05-14 [Schwab Reports Monthly Activity Highlights - Business Wire](https://news.google.com/rss/articles/CBMioAFBVV95cUxQTmk2RTZTZHlIYm5hU1ZGOS15WFNsQzBjRzJ4bzJqdHNMYlFyZm94QUNRSmlsZjJvZG9ucTRkcnQyUU54WG9vREJnNGtfQ3Buc05aUnFPbEhaVHh6b2I3LTZkTmpvQnFqcjFnZTRVOVdsVURtUWRFejJaaE4yblpMcFMybFB0ekZqN2VXZ1hlWjY3WmZOeWI2bzAyUi1KTno2?oc=5) · Business Wire
- 2025-09-23 [Brewing a small business dream - About Schwab](https://news.google.com/rss/articles/CBMid0FVX3lxTE9lMXkxOWs1SURIWkFVTVpKNGtDVlk5MjZMRkRkNFlEQ0R0eGk4cDFwblhvQjA2YklWTkxSRGJuSXdtUDBST1lEQktGR21VX3owUmR4SGh5TWMzWnpPYkJVS2pQWHRNeGZYdEt0SS05XzlONF9hSTZz?oc=5) · About Schwab
- 2026-01-29 [Charles Schwab Corporation Announces Executive Transitions - Business Wire](https://news.google.com/rss/articles/CBMitgFBVV95cUxQak5pem92b3VxQ184ZVI4UlNCcEpDRFRjdnk0Ni1PS29NbGlXeklHNURqdUdkdEFTYmxEZ3VWSWNWV0h5c2EyVGRucFRxMC1iRVE1MTgzQUZRN3dnS2duZXczT0Z1RGdMek1zQ05XSzU0V0NzOVc1NFQxWUdUTExpMlI2WDc3cVMxT0x2WDlENlhlT1lPZTFsRFBMMnIzWU5XMUNhQTBwd1I1bHh3VVltTU5MNDcydw?oc=5) · Business Wire
- 2026-07-23 [Schwab Declares Quarterly Common Stock Dividend and Declares Preferred Stock Dividends - Business Wire](https://news.google.com/rss/articles/CBMi2wFBVV95cUxNc25sdzd4SGVmV0E4SFp1RkNuY3JvTldidHI4ZDRTdlVFdkpwUmRxMzBzc3VTZVY0TWtDaWE2Y0JzT1FlZ1hJWmRCeU05WFBhd0NGcFVzZzY5ZXBUN2RLcDRfNzQwUTJzU2NaeGl0UzVBNmlzU2NSNzc1U0pLelhDSUR2QVNUWXlJR3BCUXQyLURPem1QR05nR3pFRFpDRUk2MmJHZlpKalRlNVhVVVBNTmlsQU4xWmJmU1pZY19MT0R6MWExcGVJeHFVODUtcDlEcWY5Mk50a0VZYmM?oc=5) · Business Wire
- 2026-01-30 [Banks grow real estate loans by double digits - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQbWR1WkRtc1k2YWdJcFhadXlVODVXVjFJZzFNTG5TcmI3M19aMkVYdlNnc2NYT21YU2lKTU9ELXM2OUZ0RWRGZGY4OEtiOGhZZUxac3BONmNqOHFsbTIzSFFIanlPUDNIbDdMVkMzbVZXQXZJaDVDbWZaWE5rdjFDRWl1RWx6R0cyV3lBMlRVMlY4NDJNdVcxRHFSVTNoVlE0MFE?oc=5) · The Business Journals
- 2025-06-28 [The DEC Network announces naming rights partnership with Charles Schwab Bank - About Schwab](https://news.google.com/rss/articles/CBMijgFBVV95cUxOTlNSOWhyVUhxS0FZTDRfcjNoY05fazBFOE1SU1hwWTh1RFQ5Sml0RXRILV9yeFhNNDdGa3NYSlFSVnhvZlYwLU00VWdTOFU3S0RlUWxSem5WZ19kRzF2d2FpR044b3JvaHdicmpPVWluOVFxSXdwaUx6a2NJU1IwcTY3MURrSUFJbmlOaXFR?oc=5) · About Schwab
- 2026-03-19 [Schwab Announces Its Spring Business Update - Business Wire](https://news.google.com/rss/articles/CBMiogFBVV95cUxONHdLeEdFYWl4aE5hV0dXT00xMUJVeGl6TldpeHFRRXpMRWpsSi1ZQWhhZ1Q0TzUyMC1VR0h4NlRhUEIyTW43REIzdWdlR1JWOHBGV19GdTZOcEYzSXIyRjlsSXYyLTFnQVhUeWJCaWd1UVJJbmxFUVBrMWxkNWVUM1BzTEFUSU5mcWZwM3RvbXl4X0ZoZ3BEZWdWYUIwUzBCa2c?oc=5) · Business Wire

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57450 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "57450", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide