SCHW · News · 20260910N

Net Interest Income Trends

SCHWAB CHARLES CORP · 2026-09-10 · Importance 38 · Surprise 24

Net interest revenue from client cash balances and fixed-income assets currently represents nearly half of Charles Schwab’s top line. Schwab earns a spread between returns on client-related assets and the funding costs it pays on client balances. Falling interest rates could narrow this spread and materially pressure profitability, although the report does not expect an immediate decline under current economic conditions.

Key facts

• Net interest revenue from client cash balances and fixed-income assets currently accounts for nearly half of Schwab's top line. source