BlastPoint's Banking Scorecard
Charles Schwab Bank, SSB
Titans
Specialty: Mortgage
TX
FDIC cert 57450
Westlake, TX
16
banks in Titans tier nationally
1 in TX
View Titans leaderboard (TX) →
Charles Schwab Bank, SSB has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 34.38% below tier
- + Delinquency Rate 0.78% below tier
- + Nonperforming Asset Ratio 0.42% below tier
- + Tier 1 Capital Ratio 20.41% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 20% in Titans
- - Non-Interest Income / Assets 1.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$253.8B
-7.9% YoY
+4.4% QoQ
|
-$698.6B |
$952.4B
-3.6% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$54.7B
+23.9% YoY
+7.4% QoQ
|
-$363.8B |
$418.5B
-0.2% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$230.5B
-0.4% YoY
+7.6% QoQ
|
-$509.3B |
$739.8B
-3.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
25% |
| Return on Assets ? |
0.94%
+226.4% YoY
+7.6% QoQ
|
-0.17% |
1.11%
+7.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
1.60%
+121.7% YoY
+6.6% QoQ
|
-0.87% |
2.47%
+1.2% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
21.49%
-55.4% YoY
-7.0% QoQ
|
-34.38% |
55.86%
+1.9% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.08%
-0.8% YoY
+0.1% QoQ
|
-0.78% |
0.86%
-12.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
23.73%
+24.3% YoY
-0.2% QoQ
|
-31.95% |
55.68%
+5.4% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
0.11%
+62.8% YoY
-16.9% QoQ
|
-14.69% |
14.80%
-14.8% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.02%
+36.4% YoY
+2.8% QoQ
|
-0.42% |
0.44%
-9.5% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
35.93%
-13.8% YoY
-12.0% QoQ
|
+20.41% |
15.52%
+8.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.01%
+38.9% YoY
+39.3% QoQ
|
-1.24% |
1.25%
-5.5% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 1%
in Titans
Why this stands out
Current:
21.49%
(Tier avg: 55.86%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Titans
Why this stands out
Current:
0.08%
(Tier avg: 0.86%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Titans
Why this stands out
Current:
0.02%
(Tier avg: 0.44%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Titans
Why this stands out
Current:
35.93%
(Tier avg: 15.52%, National avg: 9.75%)
Concerns (2)
Liquidity Overhang
risk
#2 of 6 · Bottom 20% in Titans
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
35.93%
(Tier: 15.52%, National: 9.75%)
Loan-to-Deposit Ratio:
23.73%
(Tier: 55.68%, National: 78.04%)
6 of 6 Titans banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 6%
in Titans
Why this stands out
Current:
0.01%
(Tier avg: 1.25%, 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: 21.49% · Tier avg: 55.86%
100
100th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.86%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.44%
100
100th pctile
Tier 1 Capital Ratio
Current: 35.93% · Tier avg: 15.52%
31
31th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.11%
25
25th pctile
Total Deposits
Current: $230.5B · Tier avg: $739.8B
19
19th pctile
Total Assets
Current: $253.8B · Tier avg: $952.4B
19
19th pctile
Total Loans
Current: $54.7B · Tier avg: $418.5B
19
19th pctile
Net Interest Margin
Current: 1.60% · Tier avg: 2.47%
19
19th pctile
Loan-to-Deposit Ratio
Current: 23.73% · Tier avg: 55.68%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 0.11% · Tier avg: 14.80%
6
6th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 1.25%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 1.25%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 0.11% · Tier avg: 14.80%
19
19th pctile
Loan-to-Deposit Ratio
Current: 23.73% · Tier avg: 55.68%
19
19th pctile
Net Interest Margin
Current: 1.60% · Tier avg: 2.47%
19
19th pctile
Total Loans
Current: $54.7B · Tier avg: $418.5B
19
19th pctile
Total Assets
Current: $253.8B · Tier avg: $952.4B
25
25th pctile
Total Deposits
Current: $230.5B · Tier avg: $739.8B
31
31th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.11%
100
100th pctile
Tier 1 Capital Ratio
Current: 35.93% · Tier avg: 15.52%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.44%
100
100th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.86%
100
100th pctile
Efficiency Ratio
Current: 21.49% · Tier avg: 55.86%