Charles Schwab Trust Bank: how it compares with its peers
Against 14 TX banks with half to twice its assets, Charles Schwab Trust Bank's strongest measure in Q2 2026 is efficiency ratio (25.44% vs. a 59.06% peer median). Its weakest relative measure is net interest margin (2.48% vs. 3.97%).
| Measure | Charles Schwab Trust Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.05% | 1.36% | Top third Ahead of 93% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.48% | 3.97% | Bottom third Ahead of 7% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 25.44% | 59.06% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $41.2M | $9.7M | Top third Ahead of 93% of peers |
| Loans to deposits Net loans and leases over total deposits. | 0.00% | 81.81% | Context |
What it means for lending operations
Its efficiency ratio of 25.44% is better than the 59.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Amarillo National Bank Amarillo, TX · $10.38B
- International Bank of Commerce Laredo, TX · $10.19B
- Woodforest National Bank The Woodlands, TX · $8.98B
- Southside Bank Tyler, TX · $8.76B
- PlainsCapital Bank University Park, TX · $12.68B
Questions about Charles Schwab Trust Bank
How big is Charles Schwab Trust Bank?
Charles Schwab Trust Bank, established in 2018, is headquartered in Westlake, TX. It reported $10.51B in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Charles Schwab Trust Bank's return on assets?
2.05% annualized in Q2 2026, against a 1.36% median for 14 TX banks with half to twice its assets, ahead of 93% of them.
What is Charles Schwab Trust Bank's efficiency ratio?
25.44% in Q2 2026: it spent about 25 cents in noninterest expense for each dollar of revenue. The peer median is 59.06%, and lower is better.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.