SCHERTZ BANK & TRUST

SCHERTZ, TX | Medium | Est. Aug. 13, 1913, midnight | FDIC #10344 | RSSD #583268 | FDIC
Latest Report: 2025-12-31

SCHERTZ BANK & TRUST is amn medium FDIC-insured commercial bank headquartered in SCHERTZ, TX, established in Aug. 13, 1913, midnight. As of 2025-12-31, the bank reported total assets of $770M and total deposits of $658M. Profitability stands at 2.06% ROA and 15.22% ROE, with a net interest margin of 4.55%. The bank's CET1 capital ratio is 13.82%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.97%. FDIC Certificate #10344.

Assets

$770M

Deposits

$658M

Loans

$618M

Equity

$106M

Profitability

Return on Assets (ROA) 2.06%
Return on Equity (ROE) 15.22%
Net Interest Margin (NIM) 4.55%
Yield on Assets 7.34%
Cost of Funds 3.00%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.16%
Texas Ratio 0.97%
NPA Ratio 0.15%
ACL / Loans 1.39%

Capital & Liquidity

CET1 Ratio 13.82%
Tier 1 Capital 13.82%
Total Capital Ratio 14.51%
Leverage Ratio 13.83%
Loan-to-Deposit 93.89%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required