v3.26.1
Regulatory Requirements
 3 Months Ended
Mar. 31, 2026
Regulatory Capital Requirements Under Banking Regulations [Abstract]  
Regulatory Requirements Regulatory Requirements
At March 31, 2026, CSC and its banking subsidiaries met all of their respective capital requirements. Regulatory capital and ratios for CSC (consolidated) and CSB are as follows:
ActualMinimum to be
Well Capitalized		Minimum Capital Requirement
March 31, 2026AmountRatioAmountRatioAmount
Ratio (1)
CSC      
Common Equity Tier 1 Risk-Based Capital$35,131 26.3%N/A $6,011 4.5%
Tier 1 Risk-Based Capital41,894 31.4%N/A 8,014 6.0%
Total Risk-Based Capital41,937 31.4%N/A 10,686 8.0%
Tier 1 Leverage41,894 8.9%N/A 18,857 4.0%
Supplementary Leverage Ratio41,894 8.8%N/A14,268 3.0%
CSB  
Common Equity Tier 1 Risk-Based Capital$27,474 34.0%$5,255 6.5%$3,638 4.5%
Tier 1 Risk-Based Capital27,474 34.0%6,467 8.0%4,850 6.0%
Total Risk-Based Capital27,512 34.0%8,084 10.0%6,467 8.0%
Tier 1 Leverage27,474 10.9%12,601 5.0%10,081 4.0%
Supplementary Leverage Ratio27,474 10.8%N/A7,635 3.0%
December 31, 2025     
CSC      
Common Equity Tier 1 Risk-Based Capital$36,081 30.4%N/A $5,345 4.5%
Tier 1 Risk-Based Capital42,844 36.1%N/A 7,127 6.0%
Total Risk-Based Capital42,894 36.1%N/A 9,503 8.0%
Tier 1 Leverage42,844 9.3%N/A 18,499 4.0%
Supplementary Leverage Ratio42,844 9.2%N/A13,974 3.0%
CSB      
Common Equity Tier 1 Risk-Based Capital$28,126 35.9%$5,088 6.5%$3,523 4.5%
Tier 1 Risk-Based Capital28,126 35.9%6,262 8.0%4,697 6.0%
Total Risk-Based Capital28,163 36.0%7,828 10.0%6,262 8.0%
Tier 1 Leverage28,126 11.1%12,641 5.0%10,113 4.0%
Supplementary Leverage Ratio28,126 11.0%N/A7,649 3.0%
(1) Under risk-based capital rules, CSC and CSB are also required to maintain additional capital buffers above the regulatory minimum risk-based capital ratios. As of March 31, 2026 and December 31, 2025, CSC was subject to a stress capital buffer of 2.5% and CSB was required to maintain a capital conservation buffer of 2.5%. CSC and CSB are also required to maintain a countercyclical capital buffer above the regulatory minimum risk-based capital ratios, which was zero for both periods presented. If a buffer falls below the minimum requirement, CSC and CSB would be subject to increasingly strict limits on capital distributions and discretionary bonus payments to executive officers. At March 31, 2026 and December 31, 2025, the minimum capital ratio requirements for both CSC and CSB, inclusive of their respective buffers, were 7.0%, 8.5%, and 10.5% for Common Equity Tier 1 Risk-Based Capital, Tier 1 Risk-Based Capital, and Total Risk-Based Capital, respectively.
N/A Not applicable.

Based on its regulatory capital ratios at March 31, 2026 and December 31, 2025, CSB is considered well capitalized (the highest category) under its respective regulatory capital rules. There are no conditions or events since March 31, 2026 that management believes have changed CSB’s capital category.

CSC’s other banking subsidiaries are CSPB and Charles Schwab Trust Bank (Trust Bank). CSPB is a Texas-chartered state savings bank that provides banking and custody services, and Trust Bank is a Nevada state-chartered savings bank that provides trust and custody services. At March 31, 2026 and December 31, 2025, the balance sheets of CSPB and Trust Bank consisted primarily of investment securities. At March 31, 2026 and December 31, 2025, CSPB held total assets of $27.4 billion and $27.0 billion, respectively, and Trust Bank held total assets of $10.4 billion for both periods. Based on their regulatory capital ratios at March 31, 2026 and December 31, 2025, CSPB and Trust Bank are considered well capitalized under their respective regulatory capital rules.
As a securities broker-dealer, CS&Co is subject to the SEC’s Uniform Net Capital Rule. Net capital and net capital requirements for CS&Co are as follows:
March 31, 2026December 31, 2025
Net capital$13,441 $13,188 
Minimum dollar requirement0.250 0.250 
2% of aggregate debit balances2,707 2,559 
Net capital in excess of required net capital10,734 10,629 

Pursuant to the SEC’s Customer Protection Rule and other applicable regulations, Schwab had cash and investments segregated for the exclusive benefit of clients at March 31, 2026. The SEC’s Customer Protection Rule requires broker-dealers to segregate client fully-paid securities and cash balances not collateralizing margin positions and not swept to money market funds or bank deposit accounts. Amounts included in cash and investments segregated and on deposit for regulatory purposes represent actual balances on deposit. Cash and cash equivalents included in cash and investments segregated and on deposit for regulatory purposes are presented as part of Schwab’s cash balances in the condensed consolidated statements of cash flows.