It’s not. It’s fine.

AOCI is accumulated other comprehensive income. It’s where mark to market losses go. The bonds they hold to earn revenue from are low yielding so when you adjust their value to market, it’s less.

If they classify them as they’ll hold them to maturity then no loss reporting required.

Quite a dumb differentiation that has to be reported and for some reason people think is an important piece of information.

Schwab isn’t over leveraged, doesn’t have any connected big groups like Silicon Valley did, and only earns half its revenue (not income) from traditional bank activities.

At worst, if people did move their investment accounts out of Schwab en masse, then Schwab would just make less money.

Investment accounts aren’t handled like banking with fractional reserves. So any bank run won’t lead to the bank failing. For deposit side, with fed liquidity door open there is no issue in providing people their money.

Risk of failure is zero.

Risk of lower profits is existent.