Charles Schwab Trust Bank is a state-chartered bank (fed member) headquartered in Westlake, Texas, in business for about 8 years. At the end of Q2 2026 it reported $10.5B in total assets and $9.7B in deposits, with 1 office.
Charles Schwab Trust Bank has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 99% of its 132 banks with $10 billion – $100 billion. Among 349 banks headquartered in Texas, it ranks 24th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (59/100, 10.93%).
TellerScore · Q2 2026
Scorecard
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 4 points (92 → 88), mostly because the capital cushion component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 96 |
| Q4 2024 | 92 |
| Q1 2025 | 91 |
| Q2 2025 | 92 |
| Q3 2025 | 90 |
| Q4 2025 | 88 |
| Q1 2026 | 87 |
| Q2 2026 | 88 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.71% |
| Q3 2024 | 14.46% |
| Q4 2024 | 12.81% |
| Q1 2025 | 12.19% |
| Q2 2025 | 12.32% |
| Q3 2025 | 11.84% |
| Q4 2025 | 11.20% |
| Q1 2026 | 10.54% |
| Q2 2026 | 10.93% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.71% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.78% |
| Q1 2025 | 1.91% |
| Q2 2025 | 1.94% |
| Q3 2025 | 1.97% |
| Q4 2025 | 1.97% |
| Q1 2026 | 2.04% |
| Q2 2026 | 2.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 88 | $10.5B | 10.93% | 0.00% | 2.05% | 0.0% |
| Q1 2026 | 87 | $10.4B | 10.54% | 0.00% | 2.04% | 0.0% |
| Q4 2025 | 88 | $10.4B | 11.20% | 0.00% | 1.97% | 0.0% |
| Q3 2025 | 90 | $9.7B | 11.84% | 0.00% | 1.97% | 0.0% |
| Q2 2025 | 92 | $9.7B | 12.32% | 0.00% | 1.94% | 0.0% |
| Q1 2025 | 91 | $9.8B | 12.19% | 0.00% | 1.91% | 0.0% |
| Q4 2024 | 92 | $10.1B | 12.81% | 0.00% | 1.78% | 0.0% |
| Q3 2024 | 96 | $9.6B | 14.46% | 0.00% | 1.71% | 0.0% |
| Q2 2024 | 94 | $9.5B | 13.71% | 0.00% | 1.71% | 0.0% |
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).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Amarillo National BankBank Amarillo, TX | 62 out of 100, Moderate | $10.4B | 10.7% | 1.54% | vs |
| International Bank of CommerceBank Laredo, TX | 69 out of 100, Moderate | $10.2B | 19.0% | 2.21% | vs |
| PlainsCapital BankBank University Park, TX | 57 out of 100, Moderate | $12.7B | 9.7% | 1.03% | vs |
| NexBankBank Dallas, TX | 56 out of 100, Moderate | $14.2B | 9.1% | 1.47% | vs |
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |
| Sunflower Bank, National AssociationBank Dallas, TX | 51 out of 100, Below average | $15.7B | 10.3% | 1.63% | vs |
Deposit insurance
Is my money safe at Charles Schwab Trust Bank?
Yes. Charles Schwab Trust Bank is an FDIC-insured institution (FDIC certificate #59108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 5.4% of deposits ($520.7M) 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 10.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 79.60% (benchmark: 10%).
1 location
Branches
Charles Schwab Trust Bank lists 1 office in 1 city. Most locations:
- Westlake, TX (1)
Identity & history
Profile
- Legal name
- Charles Schwab Trust Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 59108
- RSSD ID
- 5278251
- Primary regulator
- FED
- Holding company
- Charles Schwab Corp the
- Established
- July 2, 2018
- Headquarters
- 3000 Schwab Way, Westlake, TX 76262
- Employees
- 255
Quick answers
Charles Schwab Trust Bank: common questions
Is Charles Schwab Trust Bank FDIC insured?
Yes. Charles Schwab Trust Bank is an FDIC-insured institution (FDIC certificate #59108). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Charles Schwab Trust Bank's TellerScore?
88 out of 100 (Very 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 Trust Bank ever failed?
There is no failure record for FDIC certificate #59108 in the FDIC failed bank list.
How many branches does Charles Schwab Trust Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Westlake
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA | 96 out of 100, Very strong | $58.2M | 22.0% | 0.33% | vs |
| Fort Worth City Credit UnionCredit union Fort Worth, TX | 93 out of 100, Very strong | $336.8M | 13.1% | 0.03% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| The State Credit UnionCredit union Charleston, WV | 90 out of 100, Very strong | $95.3M | 19.1% | 0.25% | vs |