Current Liabilities
Noninterest-bearing deposits
Charles Schwab Corporation Noninterest-bearing deposits decreased by 5.2% to $1.22B in Q3 2025 compared to the prior quarter. Year-over-year, this metric grew by 4.4%, from $1.17B to $1.22B. Over 4 years (FY 2020 to FY 2024), Noninterest-bearing deposits shows an upward trend with a 5.9% CAGR. This decline may warrant attention — for this metric, higher values are generally preferred.
Analysis
StatementBalance Sheet Statement
SectionCurrent Liabilities
CategoryProfitability
SignalHigher is better
VolatilityVolatile
First reportedQ4 2015
Last reportedQ3 2025
Parent metricDeposits
How to read this metric
Higher levels indicate a lower cost of funds, which generally improves the net interest margin.
Detailed definition
This metric represents the total balance of customer deposits that do not earn interest, typically held in demand deposi...
Peer comparison
A key performance indicator for retail and commercial banks to measure funding cost efficiency.
Metric ID:
fin_deposits_noninterest_bearingHistorical Data
18 periods
| Q2 '21 | Q3 '21 | Q4 '21 | Q1 '22 | Q2 '22 | Q3 '22 | Q4 '22 | Q1 '23 | Q2 '23 | Q3 '23 | Q4 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Value | $837.00M | $941.00M | $1.47B | $1.13B | $1.10B | $908.00M | $1.11B | $1.11B | $1.07B | $1.24B | $1.23B | $1.52B | $1.25B | $1.17B | $1.24B | $1.39B | $1.29B | $1.22B |
| QoQ Change | — | +12.4% | +56.3% | -23.2% | -2.7% | -17.4% | +21.8% | +0.2% | -3.5% | +16.1% | -0.9% | +23.5% | -17.4% | -6.6% | +5.6% | +12.2% | -7.1% | -5.2% |
| YoY Change | — | — | — | — | +31.3% | -3.5% | -24.8% | -1.9% | -2.7% | +36.7% | +11.2% | +37.1% | +17.3% | -5.6% | +0.6% | -8.6% | +2.9% | +4.4% |
| % of Deposits | 11.9% | 13.5% | 0.3% | 15.4% | 16.0% | 13.6% | 0.3% | 19.7% | 21.1% | 26.6% | 0.4% | 35.6% | 30.7% | 29.3% | 0.5% | 36.7% | 35.1% | 34.3% |
| Share Change | — | +1.6pp | -13.2pp | +15.0pp | +0.6pp | -2.4pp | -13.3pp | +19.4pp | +1.4pp | +5.4pp | -26.1pp | +35.2pp | -4.9pp | -1.5pp | -28.8pp | +36.2pp | -1.6pp | -0.8pp |
Range$837.00M – $1.52B
CAGR+9.3%
Avg YoY Growth+6.7%
Median YoY Growth+1.7%
Current Streak2 quarters decline
Noninterest-bearing deposits at Other Companies
Frequently Asked Questions
- What is Charles Schwab Corporation's noninterest-bearing deposits?
- Charles Schwab Corporation (SCHW) reported noninterest-bearing deposits of $1.22B in Q3 2025.
- How has Charles Schwab Corporation's noninterest-bearing deposits changed year-over-year?
- Charles Schwab Corporation's noninterest-bearing deposits increased by 4.4% year-over-year, from $1.17B to $1.22B.
- What is the long-term trend for Charles Schwab Corporation's noninterest-bearing deposits?
- Over 4 years (2020 to 2024), Charles Schwab Corporation's noninterest-bearing deposits has grown at a 5.9% compound annual growth rate (CAGR), from $985.00M to $1.24B.
- What does noninterest-bearing deposits mean?
- Customer funds held in accounts that do not pay interest to the depositor.