The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 81).

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Yes. Charles Schwab Bank, SSB is an FDIC-insured institution (FDIC certificate #57450). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.0% of deposits ($42.9B) are above the $250,000 FDIC insurance limit, below the peer median of 43%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.65%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 30.19% (benchmark: 10%).

Check how much of your own balance is covered

Over the last three years, the CFPB forwarded 760 consumer complaints about CHARLES SCHWAB CORPORATION, THE to the company (356 in the last 12 months). 99.2% received a timely response. That is 3.4 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

In 2025, Charles Schwab Bank, SSB reported 6,522 home-loan applications under HMDA (LEI 549300INFJ8TYNZ1G568): 6,065 originated ($6,197,115,000 total), 340 denied, and 4 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Charles Schwab Bank, SSB

Former names

Charles Schwab Bank, National Association; Charles Schwab Bank

Type

State-chartered bank (Fed member)

FDIC certificate #

57450

RSSD ID

3150447

Primary regulator

FED

Holding company

Charles Schwab Corp the

Established

April 28, 2003

Headquarters

3000 Schwab Way, Westlake, TX 76262

Website

www.schwabbank.com

Employees

1,133