Schertz Bank & Trust

BankSchertz, Texas
www.schertzbank.com

Total Assets

$770.2M

Total Deposits

$658.1M

Branches

6

Established

1913

TFS Health Grade

$
D

65.6 / 100

Below average financial health

How we grade

Schertz Bank & Trust is a bank headquartered in Schertz, Texas, established in 1913. With $770.2M in total assets and 6 branch locations, it has a TFS Financial Health Grade of D (65.6/100).

Capital & Safety

Tier 1 Capital Ratio
13.83%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.07%

Profitability

Return on Assets (ROA)
1.65%(1%)
Return on Equity (ROE)
13.37%(10%)
Net Interest Margin
3.91%
Efficiency Ratio
42.78%(60%)

Lending & Liquidity

Total Loans
$617.9M
Loan-to-Deposit Ratio
92.58%
Net Charge-Off Ratio
0.15%

Growth

Asset Growth (YoY)
-12.55%
Deposit Growth (YoY)
-14.30%
Net Income
$13.3M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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