BlastPoint's Banking Scorecard
Charles Schwab Bank, SSB
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 18 banks in the $250B+ peer group nationwide — 1 of 1 in TX.
- Deposits +7.5% year over year ($225.2B on the books).
- Delinquency rate 0.04%.
- Return on assets 1.33%.
- Efficiency ratio 17.57% vs a 52.80% peer average.
- Loan-to-deposit ratio 29.85% vs a 59.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Charles Schwab Bank, SSB has 4 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 40.0% in tier
- + Efficiency Ratio 35.23% below tier average
- + Nonperforming Asset Ratio 0.41% below tier average
- + ROA 0.15% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 25.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - Non-Interest Income / Assets 0.63% below tier average
- - Net Interest Margin 0.81% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$250.8B
+1.3% YoY
+3.3% QoQ
|
-$685.5B |
$936.3B
-15.8% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.1% in tier |
| Total Loans ? |
$67.2B
+39.0% YoY
+16.8% QoQ
|
-$342.3B |
$409.5B
-13.1% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$225.2B
+7.5% YoY
+2.4% QoQ
|
-$488.0B |
$713.2B
-15.8% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
1.33%
+66.6% YoY
+2.6% QoQ
|
+0.15% |
1.17%
+26.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
2.14%
+49.1% YoY
+2.8% QoQ
|
-0.81% |
2.94%
-1.8% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
17.57%
-27.7% YoY
-2.3% QoQ
|
-35.23% |
52.80%
-5.4% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
Top 0.1% in tier |
| Delinquency Rate ? |
0.04%
-51.4% YoY
-33.1% QoQ
|
-0.74% |
0.78%
-21.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
29.85%
+29.4% YoY
+14.1% QoQ
|
-29.19% |
59.04%
+5.5% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 11.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.16%
-7.5% YoY
+4.3% QoQ
|
-16.14% |
16.30%
-11.5% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Bottom 11.1% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-32.4% YoY
-23.7% QoQ
|
-0.41% |
0.42%
-12.7% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
Top 5.6% in tier |
| Tier 1 Capital Ratio ? |
30.15%
-28.2% YoY
-11.3% QoQ
|
+14.94% |
15.20%
+5.2% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 0.1% in tier |
| Non-Interest Income / Assets ? |
0.01%
+58.0% YoY
+78.8% QoQ
|
-0.63% |
0.64%
-10.8% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
Bottom 5.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
0.2%
0.0pp YoY 0.0pp QoQ |
-16.1pp | 16.3% | 29.2% | 22.2% | 6% |
| Brokered Deposits |
3.4%
-6.0pp YoY -1.3pp QoQ |
-3.6pp | 7.0% | 8.0% | 8.5% | 33% |
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 | 19.6% | 14.8% | 12.5% | n/a |
| CRE | n/a | n/a | 12.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
49.4%
-10.5pp YoY -5.7pp QoQ |
+28.8pp | 20.6% | 25.8% | 31.3% | 94% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-16.9pp | 16.9% | 4.7% | 5.0% | 0% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
30.1%
-11.8pp YoY -3.8pp QoQ |
+15.0pp | 15.2% | 22.7% | 19.7% | 94% |
| Leverage Ratio |
10.7%
-1.5pp YoY -0.2pp QoQ |
+1.9pp | 8.8% | 12.6% | 12.6% | 89% |
| Total Capital Ratio |
30.2%
-11.8pp YoY -3.8pp QoQ |
+13.9pp | 16.3% | 23.8% | 20.8% | 94% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,133
+71 (+6.7%) YoY +6 (+0.5%) QoQ |
-62,426 | 63,559 | 186 | 482 | 0% |
| Assets per Employee ($) |
$221.4M
-5.1% YoY +2.7% QoQ |
+$160.3M | $61.1M | $10.1M | $8.8M | 89% |
| Branch Count |
1
0 YoY 0 QoQ |
-1,407 | 1,407 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 0.6% | 1.0% | 1.0% | 0% |
| Allowance Coverage |
1.48x
+148.9% YoY +31.6% QoQ |
-0.66x | 2.14x | 18.82x | 20.23x | 33% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.5% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.0%
+8.0pp YoY +0.6pp QoQ |
+5.6pp | 12.4% | 13.2% | 11.6% | 83% |
| Cost of Funds (YTD) |
0.3%
-0.6pp YoY 0.0pp QoQ |
-1.8pp | 2.2% | 1.6% | 1.7% | 0% |
| Net Income ($, YTD) |
$1.7B
+58.9% YoY — QoQ |
-$4.2B | $5.9B | $15.9M | $40.4M | 28% |
Get Full Access to Charles Schwab Bank, SSB
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.