Major Rating Factors:
A current level of 0.0 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (9.2). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a risk-based capital ratio of 49.3 and a capital leverage ratio of 10.9.
Other Rating Factors:
Good liquidity 6.7, driven by a liquidity ratio of 78.4 percent and a “hot money” ratio of 0.0 percent. Operating profits as a percentage of assets at 1.9%, coupled with a return on assets of 1.5 has resulted in Good (6.7) profitability.
Asset Mix:
Securities (84%), cash (7%), other (9%)
States with Branches:
TX
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
The Charles Schwab Corporation
Investment Rating
Address
3000 Schwab Way
Westlake, TX 76262
Westlake, TX 76262
Phone Number
(877) 519-1403
Year Founded
1991
FDIC Number
Website
Largest Affiliates
Westlake, TX
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Bank
Westlake, TX
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Bank