BlastPoint's Banking Scorecard

Charles Schwab Premier Bank, SSB

$10B-$250B Specialty: Other TX FDIC cert 33497

Westlake, TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 11 in TX.
Deposits +10.2% year over year ($24.5B on the books).
Delinquency rate 0.00%.
Return on assets 1.52%.
Efficiency ratio 14.86% vs a 53.67% peer average.
Loan-to-deposit ratio 0.00% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 11 in TX

View $10B-$250B leaderboard (TX) →

Charles Schwab Premier Bank, SSB has 4 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 38.81% below tier average
+ Delinquency Rate 1.01% below tier average
+ Nonperforming Asset Ratio 0.73% below tier average
+ ROA 0.13% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 40.9% in tier
- Non-Interest-Bearing Deposit Share 20.57% below tier average
- Non-Interest Income / Assets 0.50% below tier average
- Net Interest Margin 1.48% below tier average

Get updates when Charles Schwab Premier Bank, SSB releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$26.6B +8.8% YoY -3.2% QoQ	-$17.0B	$43.6B -13.8% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$1.0M -100.0% YoY -100.0% QoQ	-$28.0B	$28.0B -8.6% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	Bottom 1.4% in tier
Total Deposits ?	$24.5B +10.2% YoY -3.5% QoQ	-$11.0B	$35.4B -14.0% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	60%
Return on Assets ?	1.52% +5.9% YoY +1.3% QoQ	+0.13%	1.39% +25.9% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	2.44% +9.8% YoY +3.7% QoQ	-1.48%	3.92% +8.9% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Bottom 10.1% in tier
Efficiency Ratio ?	14.86% -4.6% YoY +1.4% QoQ	-38.81%	53.67% -1.9% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Top 1.4% in tier
Delinquency Rate ?	0.00%	-1.01%	1.01% -2.8% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-82.61%	82.61% +3.1% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Top 0.7% in tier
Non-Interest-Bearing Deposit Share ?	0.01%	-20.57%	20.58% +4.9% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Bottom 3.6% in tier
Nonperforming Asset Ratio ?	0.00%	-0.73%	0.73% +5.8% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	49.32% -9.5% YoY +32.0% QoQ	+33.97%	15.35% -0.4% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 2.2% in tier
Non-Interest Income / Assets ?	0.00%	-0.50%	0.50% +10.5% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Bottom 1.4% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	0.0%	-21.0pp	21.0%	29.2%	22.2%	1%
Brokered Deposits	n/a	n/a	9.2%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	n/a	n/a	17.2%	14.8%	12.5%	n/a
CRE	n/a	n/a	42.0%	48.4%	41.4%	n/a
1-4 Family	n/a	n/a	23.1%	25.8%	31.3%	n/a
Consumer	n/a	n/a	12.9%	4.7%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	49.3% -5.2pp YoY +11.9pp QoQ	+34.1pp	15.3%	22.7%	19.7%	97%
Leverage Ratio	10.9% -2.3pp YoY -0.3pp QoQ	+0.5pp	10.4%	12.6%	12.6%	71%
Total Capital Ratio	49.3% -5.2pp YoY +11.9pp QoQ	+32.8pp	16.5%	23.8%	20.8%	97%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	161 +16 (+11.0%) YoY +5 (+3.2%) QoQ	-3,097	3,258	186	482	3%
Assets per Employee ($)	$165.1M -2.0% YoY -6.2% QoQ	+$138.0M	$27.0M	$10.1M	$8.8M	98%
Branch Count	1 0 YoY 0 QoQ	-137	137	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.4%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.7%	1.0%	1.0%	n/a
Allowance Coverage	n/a	n/a	2.81x	18.82x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.4%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	20.1% +3.8pp YoY -0.2pp QoQ	+7.4pp	12.6%	13.2%	11.6%	89%
Cost of Funds (YTD)	0.1% -0.1pp YoY 0.0pp QoQ	-1.9pp	2.0%	1.6%	1.7%	0%
Net Income ($, YTD)	$205.0M +12.6% YoY — QoQ	-$91.8M	$296.8M	$15.9M	$40.4M	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#10 of 22 • Bottom 40.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 49.32%

(Tier: 15.35%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 0.00%

(Tier: 82.61%, National: 79.03%)

better than tier avg

22 of 22 Large banks match · 940 nationally

→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 139 peers in $10B-$250B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.01%

#1 of 138 Top 0.1% in $10B-$250B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.73%

#1 of 139 Top 0.1% in $10B-$250B

Loan-to-Deposit Ratio

liquidity

Value: 0.00%

Peer Median: 82.61%

#2 of 139 Top 0.7% in $10B-$250B

Efficiency Ratio

profitability

Value: 14.86%

Peer Median: 53.67%

#3 of 139 Top 1.4% in $10B-$250B

Tier 1 Capital Ratio

capital

Value: 49.32%

Peer Median: 15.35%

#4 of 139 Top 2.2% in $10B-$250B

Top Weaknesses (4 metrics)

138

Non-Interest Income / Assets

revenue_mix

Value: 0.00%

Peer Median: 0.50%

#138 of 139 Bottom 1.4% in $10B-$250B

138

Total Loans

size

Value: $1.00M

Peer Median: $27.97B

#138 of 139 Bottom 1.4% in $10B-$250B

135

Non-Interest-Bearing Deposit Share

funding

Value: 0.01%

Peer Median: 20.58%

#135 of 139 Bottom 3.6% in $10B-$250B

126

Net Interest Margin

profitability

Value: 2.44%

Peer Median: 3.92%

#126 of 139 Bottom 10.1% in $10B-$250B