BlastPoint's Banking Scorecard
Charles Schwab Trust Bank
Westlake, TX
Non-lending institution — comparison caveats apply
Charles Schwab Trust Bank is a trust company, wealth-management entity, or similar non-lending FDIC institution. Loan-based ratios (Loan-to-Deposit, Delinquency Rate, Non-Performing Asset Ratio, Non-Interest-Bearing Deposit Share) and capital ratios are mathematically valid but not directly comparable to traditional banks. This bank is excluded from the Signature Analysis leaderboards for the same reason.
Charles Schwab Trust Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 31.4% in tier
- + Revenue Diversifier: Top 48.6% in tier
- + Efficiency Ratio 26.77% below tier average
- + Nonperforming Asset Ratio 0.72% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Net Interest Margin 1.31% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.4B
+6.0% YoY
-0.1% QoQ
|
-$36.5B |
$47.0B
-1.9% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 2.9% in tier |
| Total Loans ? | $0 | -$29.4B |
$29.4B
-0.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 0.7% in tier |
| Total Deposits ? |
$9.6B
+6.8% YoY
-0.3% QoQ
|
-$28.8B |
$38.4B
-1.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 7.3% in tier |
| Return on Assets ? |
2.04%
+6.8% YoY
+3.5% QoQ
|
+0.76% |
1.28%
+18.7% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 6.6% in tier |
| Net Interest Margin ? |
2.47%
+2.9% YoY
+3.5% QoQ
|
-1.31% |
3.77%
+5.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.4% in tier |
| Efficiency Ratio ? |
27.24%
-8.3% YoY
+0.7% QoQ
|
-26.77% |
54.01%
-3.7% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
Top 6.6% in tier |
| Delinquency Rate ? | - | - |
1.02%
-3.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -80.79% |
80.79%
+1.9% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Top 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.24%
-1.7% YoY
+19.1% QoQ
|
-4.80% |
20.04%
+0.2% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? | 0.00% | -0.72% |
0.72%
+4.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
79.59%
-8.4% YoY
-7.4% QoQ
|
+64.08% |
15.51%
-0.4% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 0.1% in tier |
| Non-Interest Income / Assets ? |
0.29%
-1.6% YoY
-74.8% QoQ
|
+0.06% |
0.22%
+0.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.