Side-by-side · Q2 2026 data
Texas Capital Bank vs Charles Schwab Bank, SSB
Metric by metric
| Measure | Texas Capital Bank | Charles Schwab Bank, SSB |
|---|---|---|
| TellerScore | 67 | 81 (stronger) |
| Capital cushion | 57 | 57 |
| Loan quality | 83 | 99 (stronger) |
| Earnings | 61 | 73 (stronger) |
| Funding & liquidity | 51 | 96 (stronger) |
| Problem-loan coverage | 93 | 100 (stronger) |
| Peer percentile | 63rd | 100th |
| Total assets | $33.6B | $250.8B |
| Deposits / shares | $29.4B | $225.2B |
| Capital ratio | 10.67% (stronger) | 10.65% |
| Problem loans | 0.50% | 0.04% (stronger) |
| Net charge-offs | 0.27% | 0.00% (stronger) |
| Return on assets | 1.03% | 1.33% (stronger) |
| Loans ÷ deposits | 84.0% | 29.9% (stronger) |
| Uninsured deposits | 37.7% | 19.0% (stronger) |
| Offices | 9 | 0 |
| CFPB complaints (3 yrs) | 140 | 764 |
| Complaints per $1B deposits | 4.8 | 3.4 (stronger) |
| Mortgage denial rate (HMDA) | 4.4% | 5.2% |
Charles Schwab Bank, SSB has the higher TellerScore (81 vs 67). On the 8 directional measures above (where higher or lower is clearly better), Texas Capital Bank leads on 1 and Charles Schwab Bank, SSB on 7. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.