Largest banks headquartered in Texas
Texas is home to 5 of the largest US banks by assets. The biggest is Charles Schwab Bank, SSB with $242.9B in total assets. The table below lists each one with its capital ratio, Texas Ratio and BankGrade grade from the Q1 2026 (call report dated March 31, 2026) FDIC call report. A bank's HQ state does not limit where it operates — many serve customers nationwide.
Source: FDIC BankFind Suite API. Data as of June 2026.
| # | Bank | City | Total assets | Capital ratio | Texas Ratio | Grade |
|---|---|---|---|---|---|---|
| 1 | Charles Schwab Bank, SSB | Westlake | $242.9B | 7.5% | 0.18% | B |
| 2 | Frost Bank | San Antonio | $52.8B | 8.6% | 1.85% | A |
| 3 | Prosperity Bank | El Campo | $43.6B | 18.4% | 1.45% | A |
| 4 | Texas Capital Bank | Dallas | $33.2B | 10.9% | 4.73% | B |
| 5 | Charles Schwab Premier Bank, SSB | Westlake | $27.4B | 7.4% | 0.00% | B |
Source: FDIC BankFind Suite API, Q1 2026 (call report dated March 31, 2026). Data as of June 2026.
Each bank links to its full page from the bank index: Charles Schwab Bank, SSB · Frost Bank · Prosperity Bank · Texas Capital Bank · Charles Schwab Premier Bank, SSB.
Frequently asked questions
What is the largest bank headquartered in Texas?
Charles Schwab Bank, SSB is the largest bank headquartered in Texas among the biggest US banks, with $242.9B in total assets on its Q1 2026 (call report dated March 31, 2026) FDIC call report. Texas is home to 5 of the largest US banks by assets.
Does a bank's headquarters state affect where it operates?
No. A bank's headquarters state, shown on FDIC records, is where it is chartered and domiciled — it does not limit where it takes deposits or lends. Many banks headquartered in states like Delaware, South Dakota or Utah serve customers across the entire country. FDIC deposit insurance applies the same way wherever the bank is based.
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Last updated: 2026-06-20