Is Charles Schwab Bank SSB Safe?
Charles Schwab Bank SSB has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (31/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 39.89% | 100/100 |
| Nonperforming Loan Ratio | 0.05% | 99/100 |
| Liquidity Ratio | 81.68% | 100/100 |
| Return on Assets | 0.29% | 31/100 |
| Total Assets | $273.8B | |
How does Charles Schwab Bank SSB compare?
With a Bank Health Score of 93/100, Charles Schwab Bank SSB sits 23.0 points above the national average of 70/100 for FDIC-insured banks. Within Texas, where 321 FDIC-insured banks are headquartered, Charles Schwab Bank SSB ranks above the state average of 74/100 (Grade B).
The bank's Tier 1 capital ratio of 39.89% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.05% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Charles Schwab Bank SSB's Bank Health Score fell by 1.0 points to 93/100. Tier 1 capital strengthened by 5.17 percentage points to 39.89%.
Charles Schwab Bank SSB has a Bank Health Score of 93/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (31/100).