BlastPoint's Banking Scorecard
Charles Schwab Trust Bank
Mid-Market
Specialty: Mortgage
TX
FDIC cert 59108
Westlake, TX
201
banks in Mid-Market tier nationally
14 in TX
View Mid-Market leaderboard (TX) →
Charles Schwab Trust Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 32% in Mid-Market
- + Revenue Diversifier: Top 46% in Mid-Market
- + Efficiency Ratio 29.55% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$10.4B
+3.3% YoY
+7.9% QoQ
|
-$22.1M |
$10.5B
+2.9% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? | $0 | -$7.1B |
$7.1B
+4.5% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$9.6B
+3.6% YoY
+8.4% QoQ
|
+$1.1B |
$8.5B
+3.0% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.97%
+10.6% YoY
-0.2% QoQ
|
+0.81% |
1.16%
+9.4% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
2.39%
+12.2% YoY
+0.1% QoQ
|
-1.01% |
3.40%
+7.9% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
27.05%
-8.2% YoY
-2.7% QoQ
|
-29.55% |
56.60%
-3.2% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? | - | - |
0.68%
+12.0% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -85.47% |
85.47%
+1.1% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
12.79%
-4.2% YoY
-7.7% QoQ
|
-7.84% |
20.64%
-0.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+7.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
85.96%
-4.2% YoY
+3.8% QoQ
|
+72.41% |
13.55%
+1.8% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
1.14%
-1.5% YoY
+25.5% QoQ
|
+0.18% |
0.96%
+7.1% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#17 of 51 · Top 32% in Mid-Market
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.97%
(Tier: 1.16%, National: 1.12%)
51 of 51 Mid-Market banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#23 of 49 · Top 46% in Mid-Market
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.14%
(Tier: 0.96%, National: 0.65%)
Return on Assets:
1.97%
(Tier: 1.16%, National: 1.12%)
49 of 49 Mid-Market banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 2%
in Mid-Market
Why this stands out
Current:
27.05%
(Tier avg: 56.60%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (0)
No concerns identified
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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
98
98th pctile
Efficiency Ratio
Current: 27.05% · Tier avg: 56.60%
93
93th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.16%
82
82th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.96%
71
71th pctile
Total Deposits
Current: $9.6B · Tier avg: $8.5B
68
68th pctile
Total Assets
Current: $10.4B · Tier avg: $10.5B
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 12.79% · Tier avg: 20.64%
14
14th pctile
Net Interest Margin
Current: 2.39% · Tier avg: 3.40%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $7.1B
Top Weaknesses
1
1th pctile
Total Loans
Current: $0 · Tier avg: $7.1B
14
14th pctile
Net Interest Margin
Current: 2.39% · Tier avg: 3.40%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 12.79% · Tier avg: 20.64%
68
68th pctile
Total Assets
Current: $10.4B · Tier avg: $10.5B
71
71th pctile
Total Deposits
Current: $9.6B · Tier avg: $8.5B
82
82th pctile
Non-Interest Income / Assets
Current: 1.14% · Tier avg: 0.96%
93
93th pctile
Return on Assets
Current: 1.97% · Tier avg: 1.16%
98
98th pctile
Efficiency Ratio
Current: 27.05% · Tier avg: 56.60%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%