# CHARLES SCHWAB TRUST BANK
WESTLAKE, TX · FDIC certificate 59108 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 2 (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 | $10.51B | |
| Deposits | $9.68B | |
| Loans and leases | $0 | |
| Total equity | $808.6M | |
| Loans / deposits | 0.00% (p1 of band) | 85.78% |
| Liquid assets / assets | 97.58% (p98 of band) | |
| Uninsured deposits / deposits | 5.38% (p9 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p2 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.93% (p72 of band) | 10.17% |
| Unrealized securities loss / equity | -43.23% (p2 of band) | -7.43% |
| AOCI / equity | 4.38% (p98 of band) | |
| ROA (annualized) | 2.05% (p92 of band) | 1.24% |
| Net interest margin | 2.48% (p14 of band) | 3.57% |
| Efficiency ratio | 25.44% (p8 of band) | |
| Noncurrent loans | 0.00% (p3 of band) | 0.66% |
| Net charge-offs (annualized) | 0.00% (p11 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | – | |
| Construction % of loans | 0.00% (p6 of band) | |
| Auto loans | $0 (– of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p8 of band) | |
| Deposits YoY | 9.3% | |
| Employees | 255 | |

## Flags firing in the latest filing

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

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2018-09 | 2 | uninsured deposits >50%, NIM <2.5% |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 | capital falling | uninsured deposits >50%, NIM <2.5% |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | NIM <2.5% |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 1 |  | capital falling |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | capital falling |  |
| 2021-06 | 2 | uninsured deposits leaving | capital falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | uninsured deposits leaving |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 6 | capital falling, deposits shrinking, assets shrinking |  |
| 2023-03 | 5 | uninsured deposits leaving | AOCI drag >20% of equity, capital falling |
| 2023-06 | 5 |  |  |
| 2023-09 | 5 |  |  |
| 2023-12 | 5 |  |  |
| 2024-03 | 4 |  | uninsured deposits leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 4 |  |  |
| 2024-12 | 2 |  | deposits shrinking, assets shrinking |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 2 |  | capital falling |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 2 |  | capital falling |

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

- 2020-06-03 [Schwab Launches Integrated Solution for Advisors to Manage Health Savings Accounts for Clients - Business Wire](https://news.google.com/rss/articles/CBMi5gFBVV95cUxNMFBUZFVDRGVrTFlacjhOQzRTYUFoRTBSNTdTeTlDbVhsVUhSZTBxNFM2N2NQclJTbDlYbHVjNDVRV2drV2YxTUNhWjFQQ1FXU1RVaXZ2c2F2eGNjYV9OT3RvUFNmQVNLUDdSd29TUDRSRF95WS1pZmdzMXp3OHR1MlRhLTZtNEh2Q0xmZVlNM3E4VkNvWWdvZ2ZhUVptUVZSY1pPdjUwSHdzV1FBTFRpNGtKSWthdTVMUm5aUVNlX2tMX1FQRUpyYnNZWk5FRnNheGNwMVplU2tCSmZmMDBUOUxaUzRtUQ?oc=5) · Business Wire
- 2022-07-28 [Schwab Corporation CEO Bettinger appointed co-board chairman - The Business Press](https://news.google.com/rss/articles/CBMiogFBVV95cUxOcXpJdnQzcW1YUXdtLUx3NGQ5bm9leWRIX0gyY0RQNUhRQkJIUHV2NzduazY4ZGdvRjJ4VmxVZ1pzbUlBblB5MmhuUDJmSkNueWZTZjdTaFRZRmRVMUNhV21uUk4yUTNVd1pHRW05UVk0RE9tWGtxalhrblRVT0FuLXJVbVVJVzJZUHVtUlYtcjl4YmdnVDNEZXQxQm56VjVxVFE?oc=5) · The Business Press
- 2022-07-28 [The Charles Schwab Corporation Names CEO Walt Bettinger Co-Chairman of its Board of Directors - citybiz](https://news.google.com/rss/articles/CBMizAFBVV95cUxNS3ZkSm1BSnhqTFJSUk9WSFRSeWdkUGJudGVaODA3eTdEcXlGdG12RVYyb2dDVkdpall5SjEzR0IwV3hPOXR5UWFMSms1bXZFMWhKU0hZZjFCZzhtOHVCeTM3VHE1eEhZYmp2VUhDYXZhZy1vTWNSQUplS21OdFNwSHdHUkNwR2dRbVI4NFlnaGh5b25BYlJLblJBaUpYaGd3SXJuV2ZZOVBGbDRGTU5seFN2UjZLSFVTNHYzc0p1cm40YUUzamEySVZ0d2I?oc=5) · citybiz
- 2022-07-29 [DI People: Kimberly-Clark, Sabre, Charles Schwab, and More Make Moves - Dallas Innovates](https://news.google.com/rss/articles/CBMitgFBVV95cUxPNWkwdWVGckU5WkRQVkFXdlpiZUlSMmRTS0tTbGRiVHNneUwxNXRuQTByUmwzRThlc1B1VFhxVnZxUm1aUjhkcFg2aVBQYnVjMDQxQW9wQmtSOS1aRHVOaEZtRkhvMzhsUU5QbVpOOVkwMWJOVDczanNRUnVJcnJyZjRLbFBIV19Nd0F3YkNNTno2dDJ4Sk50Z1BsdTM0OHJmaFkybVpaTVEwbVQ3TXk0bTZvdkJuQQ?oc=5) · Dallas Innovates
- 2026-02-11 [Cullen/Frost (CFR) details Texas growth, capital strength in 2025 deck - Stock Titan](https://news.google.com/rss/articles/CBMisgFBVV95cUxOSGRDVWluQWlIVjkxX0xrYlFVODFZQXdXN0lNalo5elR2ZEtYRVl0X3JiTGZtQ2F1Um9NQzd3ZTMxYmNLZ2FIeUtXdzFRb19veXJKVGpCR0Z2a1ZEdklPMmxrWVRWT2lXenlWcHh0TUFsN1ZUNW8xWVlSTVhGRElOVUh2Y0tHYmMyWWVoUm1lT01wR1FtREc3VlN5OGhMd3ZyUTh6QUhldTFHRVdkeHpxWjN3?oc=5) · Stock Titan
- 2026-08-17 [Cullen/Frost (NYSE: CFR) highlights 15-year return ahead of S&P - Stock Titan](https://news.google.com/rss/articles/CBMisgFBVV95cUxOZGVrS3NFSW1wN2k2WGp2aU1nUVctX0oxSjlhQmd2S0xId3RvRHk0bWpjdzVERjhuXzMteTZUWEtjUFRVTlFrWnVtbzBrU3BJSG4weTNyZXU4VE9Td1BJWmw5VmJSc0NJQ0xqY1U1NU5RTWVSbl9hV3BqcjY3WEtwQ1dNRGtzLUYtd2RCOUdWdksxVFpMUEZ4UktfWlJRM2paV0hRNk1mNVkxbm84UjYtQkRB?oc=5) · Stock Titan

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=59108 (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/36.json (key "59108", 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