Call reports 2025
CHARLES SCHWAB TRUST BANK — 2025
What CHARLES SCHWAB TRUST BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 9,831,340,000 | 9,667,226,000 | 9,669,559,000 | 10,434,593,000 |
| Total loans | 0 | 0 | 0 | 0 |
| Allowance for loan losses | 0 | 0 | 0 | 0 |
| Securities available for sale | 3,378,603,000 | 3,307,129,000 | 3,188,816,000 | 3,359,778,000 |
| Securities held to maturity | 5,019,232,000 | 4,920,190,000 | 5,007,725,000 | 5,261,309,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,004,509,000 | 8,855,589,000 | 8,889,610,000 | 9,640,312,000 |
| Interest-bearing deposits | 7,608,513,000 | 7,559,017,000 | 7,657,972,000 | 8,406,899,000 |
| Noninterest-bearing deposits | 1,395,996,000 | 1,296,572,000 | 1,231,638,000 | 1,233,413,000 |
| Equity capital | 791,513,000 | 783,648,000 | 752,383,000 | 765,803,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 65,941,000 | 129,015,000 | 192,452,000 | 259,697,000 |
| Interest expense | 7,782,000 | 15,045,000 | 22,197,000 | 29,168,000 |
| Net interest income | 58,159,000 | 113,970,000 | 170,255,000 | 230,529,000 |
| Noninterest income | 28,722,000 | 57,398,000 | 87,910,000 | 119,050,000 |
| Noninterest expense | 25,801,000 | 48,751,000 | 71,748,000 | 94,568,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 61,080,000 | 122,617,000 | 186,545,000 | 253,778,000 |
| Income tax | 13,579,000 | 26,909,000 | 41,269,000 | 58,106,000 |
| Net income | 47,501,000 | 95,708,000 | 145,276,000 | 195,672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,281,886,000 | 1,240,093,000 | 1,179,661,000 | 1,160,057,000 |
| Total capital | 1,281,886,000 | 1,240,093,000 | 1,179,661,000 | 1,160,057,000 |
| Risk-weighted assets | 1,474,788,000 | 1,436,920,000 | 1,424,718,000 | 1,349,455,000 |