Charles Schwab Bank Annual Report

We maintain the complete database with all recent information about Charles Schwab Bank that you may need. With the help of the annual report, you can know the financial health of the bank, see how large it is, and track the dynamics and last trends of all financial indicators. All Charles Schwab Bank data is relevant for May 2026.

4.15

Address

3000 Schwab Way Westlake, TX 76262

FDIC Certificate ID

57450

Bank Charter Class

Federal Reserve Member

Financial report Charles Schwab Bank

Quarterly

Annually

Change dates

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003

December 31, 2025
September 30, 2025
June 30, 2025
March 31, 2025
December 31, 2024
September 30, 2024
June 30, 2024
March 31, 2024
December 31, 2023
September 30, 2023
June 30, 2023
March 31, 2023
December 31, 2022
September 30, 2022
June 30, 2022
March 31, 2022
December 31, 2021
September 30, 2021
June 30, 2021
March 31, 2021
December 31, 2020
September 30, 2020
June 30, 2020
March 31, 2020
December 31, 2019
September 30, 2019
June 30, 2019
March 31, 2019
December 31, 2018
September 30, 2018
June 30, 2018
March 31, 2018
December 31, 2017
September 30, 2017
June 30, 2017
March 31, 2017
December 31, 2016
September 30, 2016
June 30, 2016
March 31, 2016
December 31, 2015
September 30, 2015
June 30, 2015
March 31, 2015
December 31, 2014
September 30, 2014
June 30, 2014
March 31, 2014
December 31, 2013
September 30, 2013
June 30, 2013
March 31, 2013
December 31, 2012
September 30, 2012
June 30, 2012
March 31, 2012
December 31, 2011
September 30, 2011
June 30, 2011
March 31, 2011
December 31, 2010
September 30, 2010
June 30, 2010
March 31, 2010
December 31, 2009
September 30, 2009
June 30, 2009
March 31, 2009
December 31, 2008
September 30, 2008
June 30, 2008
March 31, 2008
December 31, 2007
September 30, 2007
June 30, 2007
March 31, 2007
December 31, 2006
September 30, 2006
June 30, 2006
March 31, 2006
December 31, 2005
September 30, 2005
June 30, 2005
March 31, 2005
December 31, 2004
September 30, 2004
June 30, 2004
March 31, 2004
December 31, 2003
September 30, 2003
June 30, 2003

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
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2003

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
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2003

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
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2003

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
2010
2009
2008
2007
2006
2005
2004
2003

2025
2024
2023
2022
2021
2020
2019
2018
2017
2016
2015
2014
2013
2012
2011
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Hide dates

All values USD, Dollar figures in thousands

Updated December 31, 2025

Item

2025

2024

2023

2022

2021

Trends

Assets and Liabilities

Total assets

253,772,000

275,425,000

304,549,000

348,731,000

420,502,000

Cash & Balances due from depository institutions

24,646,000

25,307,000

23,945,000

23,861,000

45,172,000

Cash items in process of collection

59,000

60,000

57,000

60,000

56,000

Collection in domestic offices

59,000

60,000

57,000

60,000

56,000

Currency and coin in domestic offices

N/A

Balances due from depository institutions in U.S.

4,000

2,000

99,000

2,212,000

934,000

Balances due from foreign banks

N/A

Balances due from FRB

24,583,000

25,245,000

23,789,000

21,589,000

44,182,000

Total securities *

167,814,000

198,012,000

231,864,000

274,910,000

335,954,000

U.S. Government securities

153,146,000

174,989,000

201,416,000

239,492,000

304,625,000

U.S. Treasury securities

8,441,000

11,161,000

18,080,000

32,784,000

15,605,000

U.S. Government agency obligations

144,705,000

163,828,000

183,336,000

206,708,000

289,020,000

Securities issued by states & political subdivisions

561,000

549,000

579,000

638,000

1,687,000

Other domestic debt securities

14,027,000

20,055,000

25,666,000

30,707,000

27,547,000

Privately issued residential mortgage-backed securities

N/A

Asset backed securities

3,595,000

4,851,000

7,593,000

10,686,000

15,457,000

Structured financial products - Total

5,713,000

7,390,000

8,661,000

10,052,000

N/A

Other domestic debt securities - All other

4,606,000

7,705,000

9,303,000

9,519,000

10,900,000

Foreign debt securities

80,000

2,419,000

4,203,000

4,073,000

2,095,000

Equity securities not held for trading

N/A

Equity securities available-for-sale

N/A

Credit Loss Allowance for Held to Maturity Debt Securities

N/A

Assets held in trading accounts for TFR Reporters

N/A

General valuation allowances for securities for TFR Reporters

N/A

Federal funds sold and reverse repurchase

N/A

Net loans and leases

54,699,000

44,163,000

40,072,000

40,830,000

36,707,000

Loan and leases loss allowance**

36,000

21,000

38,000

73,000

18,000

Total loans and leases

54,735,000

44,184,000

40,110,000

40,903,000

36,725,000

Unearned income

N/A

Loans and leases, gross

N/A

36,725,000

All real estate loans

30,911,000

27,814,000

26,631,000

25,795,000

21,739,000

Real estate loans in domestic offices

30,911,000

27,814,000

26,631,000

25,795,000

21,739,000

Construction and development loans

N/A

Residential 1-4 family construction

N/A

Other construction, all land development and other land

N/A

Secured by nonfarm nonresidential properties

N/A

Nonfarm nonresidential secured by owner-occupied properties

N/A

Commercial real estate other non-farm non-residential

N/A

Multifamily residential real estate

N/A

1-4 family residential loans

30,911,000

27,814,000

26,631,000

25,795,000

21,739,000

Farmland loans

N/A

Loans held in foreign offices

N/A

Farm loans

N/A

6,000

3,000

N/A

Commercial and industrial loans

N/A

2,075,000

2,276,000

2,130,000

Loans to individuals

31,000

27,000

9,346,000

10,233,000

8,793,000

Credit card loans

N/A

Related Plans

31,000

27,000

9,346,000

10,233,000

8,793,000

Consumer Loans - Auto

N/A

Other loans to individuals

N/A

All other loans & leases*

23,793,000

16,343,000

2,052,000

2,596,000

4,063,000

Loans to foreign governments and official institutions

N/A

Obligations of states and political subdivisions in U.S.

N/A

Other loans

N/A

4,063,000

Lease financing receivables

N/A

Loans to depository institutions and acceptances of other banks

N/A

Trading account assets

N/A

Bank premises and fixed assets

N/A

Other real estate owned

1,000

N/A

1,000

Direct and indirect investments in real estate

N/A

OREO: Real estate acquired

1,000

N/A

1,000

Other real estate owned: 1-4 family residential

1,000

N/A

1,000

Other Real Estate Owned: Multi-family residential

N/A

Other real estate owned: Commercial real estate

N/A

Other real estate owned:Construction & development

N/A

Other real estate owned: Farmland

N/A

Foreclosed properties from GNMA loans before June 2018

N/A

Other real estate owned in foreign offices

N/A

Goodwill and other intangibles

17,000

Goodwill

17,000

Mortgage servicing assets

N/A

All other assets

N/A

2,651,000

Liabilities and Capital

Total liabilities and capital

253,772,000

275,425,000

304,549,000

348,731,000

420,502,000

Total Liabilities

235,114,000

255,725,000

288,470,000

341,067,000

393,467,000

Total deposits

230,499,000

231,315,000

257,579,000

325,993,000

392,695,000

Deposits held in domestic offices

230,499,000

231,315,000

257,579,000

325,993,000

392,695,000

Individuals, partnerships, and corporations

N/A

392,687,000

U.S. Government

N/A

States and political subdivisions in the U.S.

N/A

Commercial banks and other depository institutions in U.S.

N/A

8,000

Banks in foreign countries

N/A

Foreign governments and official institutions

N/A

Deposits held in foreign offices

N/A

Deposits held in domestic offices

230,499,000

231,315,000

257,579,000

325,993,000

392,695,000

Transaction accounts

36,683,000

30,009,000

25,268,000

64,656,000

58,367,000

Nontransaction accounts

193,816,000

201,306,000

232,311,000

261,337,000

334,328,000

Money market deposit accounts (MMDAs)

191,816,000

173,605,000

184,014,000

255,290,000

334,328,000

Other savings deposits (excluding MMDAs)

N/A

Total time deposits

2,000,000

27,701,000

48,297,000

6,047,000

N/A

Federal funds purchased and repurchase agreements

1,250,000

5,499,000

4,507,000

4,002,000

N/A

Trading liabilities

N/A

N/A - idobrmtg

N/A

Subordinated debt

N/A

All other liabilities

N/A

772,000

Total equity capital

18,658,000

19,700,000

16,079,000

7,664,000

27,035,000

Bank equity capital

18,658,000

19,700,000

16,079,000

7,664,000

27,035,000

Perpetual preferred stock

N/A

Common stock

100,000

Surplus

18,833,000

15,258,000

13,308,000

Undivided profits

275,000

767,000

2,854,000

7,694,000

13,627,000

Equity, minor interest in consolidated subs

N/A

Memoranda

Noncurrent loans and leases

43,000

35,000

16,000

24,000

35,000

Income earned, not collected on loans

541,000

570,000

653,000

741,000

660,000

Earning assets

247,099,000

267,421,000

295,824,000

339,540,000

417,777,000

Long-term assets (5+ years)

151,430,000

176,427,000

196,931,000

223,259,000

295,189,000

Average total assets

256,075,400

282,633,600

326,328,800

394,509,600

370,200,800

Average assets, quarterly

248,442,000

274,049,500

303,188,500

354,759,000

399,905,500

Total risk weighted assets adjusted

78,281,000

78,134,000

83,809,000

99,631,000

104,409,000

Adjusted average assets for leverage capital purposes

252,828,000

280,701,000

315,851,000

372,802,000

395,796,000

Life insurance assets

N/A

General account life insurance assets

N/A

Separate account life insurance assets

N/A

Hybrid life insurance assets

N/A

Volatile liabilities

3,100,000

21,999,000

28,507,000

14,002,000

N/A

Insider loans

3,000

4,000

6,000

4,000

FHLB advances

1,850,000

16,500,000

24,000,000

10,000,000

N/A

Loans and leases held for sale

N/A

Unused loan commitments

2,659,000

2,362,000

3,331,000

5,013,000

7,782,000

Tier one (core) capital

28,126,000

32,584,000

31,777,000

27,296,000

28,014,000

Tier 2 Risk-based capital

37,000

22,000

39,000

74,000

19,000

Total unused commitments

2,659,000

2,362,000

3,331,000

5,013,000

7,782,000

Derivatives

27,456,000

14,409,000

7,352,000

76,000

252,000