Bank Comparison
Schertz Bank & Trust vs Wilmington Trust, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 11
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Schertz Bank & Trust | Wilmington Trust, N.A. |
|---|---|---|
| CET1 Ratio | — | 273.94% |
| Tier 1 Capital Ratio | — | 273.94% |
| Total Capital Ratio | — | 274.08% |
| Tier 1 Leverage Ratio | 14.59% | 86.88% |
| Equity / Assets | 14.47% | 88.62% |
Profitability
| Metric | Schertz Bank & Trust | Wilmington Trust, N.A. |
|---|---|---|
| Return on Assets (ROA) | 2.06% | 0.16% |
| Return on Equity (ROE) | 14.46% | 0.18% |
| Net Interest Margin (NIM) | 4.43% | 5.62% |
| Yield on Earning Assets | 6.89% | 5.66% |
| Cost of Funds | 2.79% | 0.24% |
Asset quality
| Metric | Schertz Bank & Trust | Wilmington Trust, N.A. |
|---|---|---|
| Texas Ratio | 26.40% | 0.25% |
| Non-Performing Loan Ratio | 4.96% | 6.58% |
| Non-Performing Asset Ratio | 4.14% | 0.22% |
| Net Charge-Off Ratio | 0.00% | -0.44% |
| ACL / Loans | 1.47% | 1.38% |
Balance sheet
| Metric | Schertz Bank & Trust | Wilmington Trust, N.A. |
|---|---|---|
| Total Assets | $761,914K | $759,503K |
| Total Deposits | $645,958K | $4,991K |
| Total Loans | $621,767K | $25,350K |
| Total Equity | $110,237K | $673,101K |
| Net Income (quarter) | $3,918K | $302 |
Liquidity & funding
| Metric | Schertz Bank & Trust | Wilmington Trust, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 96.26% | 507.91% |
| Core Deposit Ratio | 77.29% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Schertz Bank & Trust | Wilmington Trust, N.A. |
|---|---|---|
| Headquarters City | SCHERTZ | WILMINGTON |
| Headquarters State | TX | DE |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 22859 |
| Regulator | FDIC | OCC |
| Domestic Branches | 6 | 43 |
| Employees (FTE) | 65 | 909 |
| Established | Aug. 13, 1913, midnight | Oct. 2, 1995, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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