XML 37 R26.htm IDEA: XBRL DOCUMENT
v3.25.3

Regulatory Requirements | 9 Months Ended
--- | ---
Sep. 30, 2025
Regulatory Capital Requirements Under Banking Regulations [Abstract] |
Regulatory Requirements | Regulatory Requirements At September 30, 2025, CSC and its banking subsidiaries met all of their respective capital requirements. Regulatory capital and ratios for CSC (consolidated) and CSB are as follows:
|  | Actual |  | Minimum to be Well Capitalized |  | Minimum Capital Requirement
September 30, 2025 |  | Amount |  | Ratio |  | Amount |  | Ratio |  | Amount |  | Ratio (1)
CSC |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 Risk-Based Capital |  | $ | 36,728 |  |  | 32.8 | % |  | N/A |  |  |  | $ | 5,035 |  |  | 4.5 | %
Tier 1 Risk-Based Capital |  | 43,491 |  |  | 38.9 | % |  | N/A |  |  |  | 6,714 |  |  | 6.0 | %
Total Risk-Based Capital |  | 43,552 |  |  | 38.9 | % |  | N/A |  |  |  | 8,952 |  |  | 8.0 | %
Tier 1 Leverage |  | 43,491 |  |  | 9.7 | % |  | N/A |  |  |  | 17,884 |  |  | 4.0 | %
Supplementary Leverage Ratio |  | 43,491 |  |  | 9.7 | % |  | N/A |  |  |  | 13,513 |  |  | 3.0 | %
CSB |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 Risk-Based Capital |  | $ | 31,514 |  |  | 40.8 | % |  | $ | 5,019 |  |  | 6.5 | % |  | $ | 3,475 |  |  | 4.5 | %
Tier 1 Risk-Based Capital |  | 31,514 |  |  | 40.8 | % |  | 6,177 |  |  | 8.0 | % |  | 4,633 |  |  | 6.0 | %
Total Risk-Based Capital |  | 31,537 |  |  | 40.8 | % |  | 7,722 |  |  | 10.0 | % |  | 6,177 |  |  | 8.0 | %
Tier 1 Leverage |  | 31,514 |  |  | 12.4 | % |  | 12,694 |  |  | 5.0 | % |  | 10,155 |  |  | 4.0 | %
Supplementary Leverage Ratio |  | 31,514 |  |  | 12.3 | % |  | N/A |  |  |  | 7,684 |  |  | 3.0 | %
December 31, 2024 |  |  |  |  |  |  |  |  |  |  |  |
CSC |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 Risk-Based Capital |  | $ | 35,995 |  |  | 31.7 | % |  | N/A |  |  |  | $ | 5,114 |  |  | 4.5 | %
Tier 1 Risk-Based Capital |  | 45,186 |  |  | 39.8 | % |  | N/A |  |  |  | 6,819 |  |  | 6.0 | %
Total Risk-Based Capital |  | 45,218 |  |  | 39.8 | % |  | N/A |  |  |  | 9,092 |  |  | 8.0 | %
Tier 1 Leverage |  | 45,186 |  |  | 9.9 | % |  | N/A |  |  |  | 18,325 |  |  | 4.0 | %
Supplementary Leverage Ratio |  | 45,186 |  |  | 9.8 | % |  | N/A |  |  |  | 13,836 |  |  | 3.0 | %
CSB |  |  |  |  |  |  |  |  |  |  |  |
Common Equity Tier 1 Risk-Based Capital |  | $ | 32,584 |  |  | 41.7 | % |  | $ | 5,079 |  |  | 6.5 | % |  | $ | 3,516 |  |  | 4.5 | %
Tier 1 Risk-Based Capital |  | 32,584 |  |  | 41.7 | % |  | 6,251 |  |  | 8.0 | % |  | 4,688 |  |  | 6.0 | %
Total Risk-Based Capital |  | 32,606 |  |  | 41.7 | % |  | 7,813 |  |  | 10.0 | % |  | 6,251 |  |  | 8.0 | %
Tier 1 Leverage |  | 32,584 |  |  | 11.6 | % |  | 14,035 |  |  | 5.0 | % |  | 11,228 |  |  | 4.0 | %
Supplementary Leverage Ratio |  | 32,584 |  |  | 11.5 | % |  | N/A |  |  |  | 8,479 |  |  | 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 September 30, 2025, CSC was subject to a stress capital buffer of 2.5%. In addition, CSB is 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 September 30, 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 September 30, 2025, CSB is considered well capitalized (the highest category) under its respective regulatory capital rules. There are no conditions or events since September 30, 2025 that management believes have changed CSB’s capital category. CSC’s other banking subsidiaries are Charles Schwab Premier Bank, SSB (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 September 30, 2025, the balance sheets of CSPB and Trust Bank consisted primarily of investment securities, and the entities held total assets of $25.1 billion and $9.7 billion, respectively. Based on their regulatory capital ratios, at September 30, 2025, CSPB and Trust Bank are considered well capitalized under their respective regulatory capital rules. Net capital and net capital requirements for CS&Co are as follows:
|  | September 30, 2025 |  | December 31, 2024
CS&Co |  |  |  |
Net capital |  | $ | 11,977 |  |  | $ | 11,112 |
Minimum dollar requirement |  | 0.250 |  |  | 0.250 |
2% of aggregate debit balances |  | 2,567 |  |  | 2,049 |
Net capital in excess of required net capital |  | 9,410 |  |  | 9,063 |
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 September 30, 2025. 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.

X
- Definition Regulatory Capital Requirements Under Banking Regulations + References No definition available. + Details
Name: | schw_RegulatoryCapitalRequirementsUnderBankingRegulationsAbstract
Namespace Prefix: | schw_
Data Type: | xbrli:stringItemType
Balance Type: | na
Period Type: | duration

X
- Definition The entire disclosure for regulatory capital requirement for depository and lending institutions. Institutions include, but not are not limited to, finance company, insured depository institution, bank holding company, savings and loan association holding company, bank and savings institution not federally insured, mortgage company, foreign financial institution and credit union. + References Reference 1: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(1) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 2: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (a)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 3: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (b) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 4: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (c)(2) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 5: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1 -Subparagraph (e) -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1 Reference 6: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1D -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1D Reference 7: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1A -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1A Reference 8: http://www.xbrl.org/2003/role/disclosureRef -Topic 942 -SubTopic 505 -Name Accounting Standards Codification -Section 50 -Paragraph 1F -Publisher FASB -URI https://asc.fasb.org/1943274/2147477270/942-505-50-1F + Details
Name: | us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock
Namespace Prefix: | us-gaap_
Data Type: | dtr-types:textBlockItemType
Balance Type: | na
Period Type: | duration