BlastPoint's Banking Scorecard
Charles Schwab Premier Bank, SSB
Large
Specialty: Other
TX
FDIC cert 33497
Westlake, TX
69
banks in Large tier nationally
4 in TX
View Large leaderboard (TX) →
Charles Schwab Premier Bank, SSB has 6 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 24% in Large
- + Efficiency Ratio 39.72% below tier
- + Delinquency Rate 0.88% below tier
- + Loan-to-Deposit Ratio 67.77% below tier
- + Nonperforming Asset Ratio 0.55% below tier
- + Tier 1 Capital Ratio 28.67% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 19.97% below tier
- - Non-Interest Income / Assets 1.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.0B
+2.1% YoY
+7.5% QoQ
|
-$47.8B |
$74.9B
-4.4% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$3.5B
+178.1% YoY
+21.8% QoQ
|
-$42.9B |
$46.4B
-2.1% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$25.0B
+3.8% YoY
+10.0% QoQ
|
-$35.5B |
$60.5B
-4.5% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.47%
+68.3% YoY
+1.2% QoQ
|
+0.27% |
1.19%
+17.8% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
2.29%
+53.6% YoY
+1.7% QoQ
|
-1.17% |
3.46%
+13.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
15.30%
-28.7% YoY
-1.6% QoQ
|
-39.72% |
55.03%
-2.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | 0.00% | -0.88% |
0.88%
-0.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
13.95%
+167.9% YoY
+10.8% QoQ
|
-67.77% |
81.72%
+3.9% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -19.97% |
19.97%
+0.5% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.55% |
0.55%
+9.0% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
42.00%
-29.9% YoY
-14.3% QoQ
|
+28.67% |
13.33%
-0.7% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? | 0.00% | -1.09% |
1.09%
+2.4% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (6)
Profitability Leader
growth
#5 of 18 · Top 24% in Large
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.47%
(Tier: 1.19%, National: 1.12%)
18 of 18 Large banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 1%
in Large
Why this stands out
Current:
15.30%
(Tier avg: 55.03%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Large
Why this stands out
Current:
0.00%
(Tier avg: 0.88%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Large
Why this stands out
Current:
13.95%
(Tier avg: 81.72%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Large
Why this stands out
Current:
0.00%
(Tier avg: 0.55%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Large
Why this stands out
Current:
42.00%
(Tier avg: 13.33%, National avg: 9.75%)
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Large
Why this stands out
Current:
0.00%
(Tier avg: 19.97%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Large
Why this stands out
Current:
0.00%
(Tier avg: 1.09%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Efficiency Ratio
Current: 15.30% · Tier avg: 55.03%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.88%
100
100th pctile
Loan-to-Deposit Ratio
Current: 13.95% · Tier avg: 81.72%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.55%
100
100th pctile
Tier 1 Capital Ratio
Current: 42.00% · Tier avg: 13.33%
78
78th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.19%
23
23th pctile
Total Deposits
Current: $25.0B · Tier avg: $60.5B
10
10th pctile
Net Interest Margin
Current: 2.29% · Tier avg: 3.46%
7
7th pctile
Total Assets
Current: $27.0B · Tier avg: $74.9B
3
3th pctile
Total Loans
Current: $3.5B · Tier avg: $46.4B
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 19.97%
1
1th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 1.09%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.00% · Tier avg: 1.09%
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 19.97%
3
3th pctile
Total Loans
Current: $3.5B · Tier avg: $46.4B
7
7th pctile
Total Assets
Current: $27.0B · Tier avg: $74.9B
10
10th pctile
Net Interest Margin
Current: 2.29% · Tier avg: 3.46%
23
23th pctile
Total Deposits
Current: $25.0B · Tier avg: $60.5B
78
78th pctile
Return on Assets
Current: 1.47% · Tier avg: 1.19%
100
100th pctile
Tier 1 Capital Ratio
Current: 42.00% · Tier avg: 13.33%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.55%
100
100th pctile
Loan-to-Deposit Ratio
Current: 13.95% · Tier avg: 81.72%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.88%
100
100th pctile
Efficiency Ratio
Current: 15.30% · Tier avg: 55.03%