Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.9 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.3 has resulted in Weak (2.5) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Excellent asset quality (8.3). Good liquidity 5.5, driven by a liquidity ratio of 51.2 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Securities (72%), home mtgs (9%), cash (8%), consumer loans (3%), comm loans (1%), other (7%)
States with Branches:
NM, NY, 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
(775) 689-6800
Year Founded
2003
FDIC Number
Website
Largest Affiliates
Westlake, TX
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Bank
