▣ Examiner
← All bank profiles
Examined: Sat, 25 Apr 2026 19:43:30 GMT

Charles Schwab Bank, SSB

RSSD 3150447 · TX · Total assets $253,772M
Composite CAMELS
3
3 — Less than satisfactory
C
Capital
2
0 findings
A
Asset Quality
2
1 finding
M
Management
2
0 findings
E
Earnings
5
2 findings
L
Liquidity
2
1 finding
S
Sensitivity
2
0 findings
1
Critical
0
High
3
Moderate
0
Low
24
Procedures run

Findings

CRITICAL · Earnings Procedure E-02

Net interest margin materially compressed

Citation
FFIEC UBPR User's Guide §IV — Earnings Analysis; OCC Comptroller's Handbook, "Interest Rate Risk"
Evidence
Year-to-date net interest margin is 0.72%. Compressed margin can reduce core earnings capacity and may indicate asset-yield pressure, funding-cost pressure, interest-rate-risk exposure, or adverse balance-sheet mix.
Recommended action
Provide management's margin analysis, including earning-asset yields, funding costs, repricing gaps, deposit betas, and modeled sensitivity to parallel and nonparallel rate shocks. Document board-approved actions to restore sustainable margin without assuming excessive credit, liquidity, or interest-rate risk.
MODERATE · Asset Quality Procedure A-05

Allowance to loans is below de minimis review threshold

Citation
Interagency Policy Statement on Allowances for Credit Losses (June 2020; revised April 2023) - https://www.federalreserve.gov/frrs/guidance/interagency-policy-statement-on-allowances-for-credit-losses.htm
Evidence
Allowance for credit losses $21M is measured against total loans and leases $44,184M. A very low allowance-to-loans ratio requires support that expected credit losses are appropriately estimated under CECL.
Recommended action
Provide the CECL model documentation, historical loss support, qualitative-factor framework, segmentation analysis, back-testing results, and board materials supporting the allowance level relative to the size, composition, and risk profile of the loan portfolio.
MODERATE · Earnings Procedure E-01

Return on assets below typical peer range

Citation
OCC Comptroller's Handbook, "Earnings"; FFIEC UBPR User's Guide §IV — Earnings Analysis
Evidence
YTD net income $813M on average assets $282,634M. Typical community-bank peer ROA is 0.9–1.1%; sustained sub-0.5% ROA can indicate margin compression, asset-quality deterioration, or expense growth out of pace with revenue. Negative ROA triggers heightened supervisory attention.
Recommended action
Provide written analysis of the drivers (margin compression, noninterest expense growth, credit costs, fee compression). If ROA is negative, submit an earnings-restoration plan to the primary regulator with quarterly milestones and a path back to peer-range earnings within four to eight quarters.
MODERATE · Liquidity Procedure L-02

Brokered deposit concentration elevated

Citation
12 CFR § 337.6 — Brokered deposits; FDIC Brokered Deposit Rule
Evidence
Brokered deposits $35,264M against total deposits $231,315M. Elevated brokered-deposit reliance can increase liquidity sensitivity, funding-cost volatility, and supervisory restrictions if capital condition weakens.
Recommended action
Provide a brokered-deposit funding plan with board-approved concentration limits, maturity distribution, rate-sensitivity analysis, and contingency actions if brokered channels become unavailable or restricted. Demonstrate compliance monitoring for 12 CFR § 337.6.

Key ratios computed

Tier 1 ratio
41.70%
↑ rank 1 of 16 · global
Tier 1 leverage
11.61%
↑ rank 1 of 16 · global
Total capital
41.73%
↑ rank 1 of 16 · global
NPL ratio
0.08%
ACL coverage
60.00%
CRE concentration
0.00%
Construction conc.
0.00%
ROA (annualized)
0.29%
↑ rank 15 of 16 · global
NIM
0.72%
↑ rank 16 of 16 · global
Efficiency ratio
48.16%
↓ rank 5 of 16 · global
Loans / Deposits
19.10%
Brokered / Deposits
15.25%
Uninsured / Deposits
15.35%
Liquid asset ratio
9.17%
HTM loss / Tier 1
—
Asset growth YoY
—

Trend — last 8 quarters

Total assets ($M)
$275,425M
23Q03$347,185M 23Q06$329,351M 23Q09$301,828M 23Q12$304,549M 24Q03$286,704M 24Q06$273,816M 24Q09$272,674M 24Q12$275,425M
Tier 1 leverage
11.61%
23Q037.66% 23Q068.85% 23Q099.60% 23Q1210.06% 24Q0310.41% 24Q0610.90% 24Q0911.19% 24Q1211.61%
Tier 1 RBC ratio
41.70%
23Q0328.73% 23Q0633.47% 23Q0934.72% 23Q1237.92% 24Q0339.31% 24Q0639.89% 24Q0940.55% 24Q1241.70%
ROA (YTD ann.)
0.29%
23Q030.46% 23Q060.40% 23Q090.36% 23Q120.28% 24Q030.23% 24Q060.22% 24Q090.21% 24Q120.29%
NIM (YTD ann.)
0.72%
23Q031.24% 23Q060.99% 23Q090.90% 23Q120.82% 24Q030.67% 24Q060.65% 24Q090.64% 24Q120.72%
Efficiency ratio
48.2%
23Q0349.8% 23Q0644.7% 23Q0945.8% 23Q1253.7% 24Q0354.3% 24Q0655.1% 24Q0955.4% 24Q1248.2%

This report was produced in <200ms from the underlying procedures library. Production deployments cite source documents directly from your loan tape, GL, and core system.

Set up a pilot →