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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:
ActualMinimum to be
Well Capitalized		Minimum Capital Requirement
September 30, 2025AmountRatioAmountRatioAmount
Ratio (1)
CSC      
Common Equity Tier 1 Risk-Based Capital$36,728 32.8%N/A $5,035 4.5%
Tier 1 Risk-Based Capital43,491 38.9%N/A 6,714 6.0%
Total Risk-Based Capital43,552 38.9%N/A 8,952 8.0%
Tier 1 Leverage43,491 9.7%N/A 17,884 4.0%
Supplementary Leverage Ratio43,491 9.7%N/A13,513 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 Capital31,514 40.8%6,177 8.0%4,633 6.0%
Total Risk-Based Capital31,537 40.8%7,722 10.0%6,177 8.0%
Tier 1 Leverage31,514 12.4%12,694 5.0%10,155 4.0%
Supplementary Leverage Ratio31,514 12.3%N/A7,684 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 Capital45,186 39.8%N/A 6,819 6.0%
Total Risk-Based Capital45,218 39.8%N/A 9,092 8.0%
Tier 1 Leverage45,186 9.9%N/A 18,325 4.0%
Supplementary Leverage Ratio45,186 9.8%N/A13,836 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 Capital32,584 41.7%6,251 8.0%4,688 6.0%
Total Risk-Based Capital32,606 41.7%7,813 10.0%6,251 8.0%
Tier 1 Leverage32,584 11.6%14,035 5.0%11,228 4.0%
Supplementary Leverage Ratio32,584 11.5%N/A8,479 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, 2025December 31, 2024
CS&Co
Net capital$11,977 $11,112 
Minimum dollar requirement0.250 0.250 
2% of aggregate debit balances2,567 2,049 
Net capital in excess of required net capital9,410 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.