TellerScore

Charles Schwab Premier Bank, SSB is a state-chartered bank (fed member) headquartered in Westlake, Texas, in business for about 35 years. At the end of Q2 2026 it reported $26.6B in total assets and $24.5B in deposits, with 1 office.

Based on its Q2 2026 filing, Charles Schwab Premier Bank, SSB scores 84/100, which we describe as strong. That is higher than 97% of 132 banks with $10 billion – $100 billion. Among 349 banks headquartered in Texas, it ranks 51st. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (59/100; 10.90%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.90%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings81/100
Return on assets (annualized): 1.52%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 0.0% · 1.6% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (90 → 84), mostly because the capital cushion component weakened by 23 points.

TellerScore
838791Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202484
Q4 202485
Q1 202591
Q2 202590
Q3 202590
Q4 202585
Q1 202685
Q2 202684
Tier 1 leverage ratio
5.00%9.33%13.65%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.36%
Q3 202412.72%
Q4 202413.12%
Q1 202513.65%
Q2 202513.16%
Q3 202512.99%
Q4 202511.50%
Q1 202611.16%
Q2 202610.90%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.80%1.16%1.52%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.83%
Q3 20240.80%
Q4 20240.87%
Q1 20251.35%
Q2 20251.43%
Q3 20251.45%
Q4 20251.47%
Q1 20261.50%
Q2 20261.52%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202684$26.6B10.90%0.00%1.52%0.0%
Q1 202685$27.4B11.16%0.00%1.50%14.2%
Q4 202585$27.0B11.50%0.00%1.47%13.9%
Q3 202590$25.1B12.99%0.00%1.45%12.6%
Q2 202590$24.4B13.16%0.00%1.43%10.4%
Q1 202591$25.3B13.65%0.00%1.35%7.7%
Q4 202485$26.5B13.12%0.00%0.87%5.2%
Q3 202484$25.8B12.72%0.00%0.80%4.8%
Q2 202483$25.5B12.36%0.00%0.83%4.1%

132 peers · $10 billion – $100 billion

How it compares with peers

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

Capital ratio10.90%
72nd
Total risk-based capital49.32%
98th
Problem loans0.00%
98th
Net charge-offs0.00%
90th
Return on assets1.52%
72nd
Net interest margin2.44%
12th
Efficiency ratio14.9%
94th
Loans to deposits0.0%
99th
Uninsured deposits1.6%
96th
Loan-loss reserves0.00%
3rd
Texas ratio0.0%
99th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Capital BankBank Dallas, TX67 out of 100, Moderate$33.6B10.7%0.50%vs
Sunflower Bank, National AssociationBank Dallas, TX51 out of 100, Below average$15.7B10.3%1.63%vs
First Financial BankBank Abilene, TX76 out of 100, Strong$15.2B11.6%0.77%vs
NexBankBank Dallas, TX56 out of 100, Moderate$14.2B9.1%1.47%vs
PlainsCapital BankBank University Park, TX57 out of 100, Moderate$12.7B9.7%1.03%vs
Charles Schwab Trust BankBank Westlake, TX88 out of 100, Very strong$10.5B10.9%0.00%vs

Deposit insurance

Is my money safe at Charles Schwab Premier Bank, SSB?

Yes. Charles Schwab Premier Bank, SSB is an FDIC-insured institution (FDIC certificate #33497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 1.6% of deposits ($382.0M) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.90%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 49.32% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Charles Schwab Premier Bank, SSB lists 1 office in 1 city. Most locations:

  • Westlake, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Charles Schwab Premier Bank, SSB
Former names
Nordstrom fsb; Charles Schwab Signature Bank; Nordstrom National Credit Bank; Charles Schwab Premier Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
33497
RSSD ID
1893049
Primary regulator
FED
Holding company
Charles Schwab Corp the
Established
August 30, 1991
Headquarters
3000 Schwab Way, Westlake, TX 76262
Employees
161

Quick answers

Charles Schwab Premier Bank, SSB: common questions

Is Charles Schwab Premier Bank, SSB FDIC insured?

Yes. Charles Schwab Premier Bank, SSB is an FDIC-insured institution (FDIC certificate #33497). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Charles Schwab Premier Bank, SSB's TellerScore?

84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Charles Schwab Premier Bank, SSB ever failed?

There is no failure record for FDIC certificate #33497 in the FDIC failed bank list.

How many branches does Charles Schwab Premier Bank, SSB have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Westlake

InstitutionScoreAssetsCapitalProblem loansCompare
Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA96 out of 100, Very strong$58.2M22.0%0.33%vs
Fort Worth City Credit UnionCredit union Fort Worth, TX93 out of 100, Very strong$336.8M13.1%0.03%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs
Lakeside BankBank Rockwall, TX92 out of 100, Very strong$389.2M14.4%0.00%vs
Metro Medical Credit UnionCredit union Dallas, TX91 out of 100, Very strong$82.7M17.9%0.66%vs
The State Credit UnionCredit union Charleston, WV90 out of 100, Very strong$95.3M19.1%0.25%vs