Bank Comparison
Town & Country Bank vs Schertz Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 9
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Town & Country Bank | Schertz Bank & Trust |
|---|---|---|
| CET1 Ratio | 19.63% | — |
| Tier 1 Capital Ratio | 19.63% | — |
| Total Capital Ratio | 20.88% | — |
| Tier 1 Leverage Ratio | 12.27% | 14.59% |
| Equity / Assets | 10.46% | 14.47% |
Profitability
| Metric | Town & Country Bank | Schertz Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 2.79% | 2.06% |
| Return on Equity (ROE) | 26.74% | 14.46% |
| Net Interest Margin (NIM) | 4.04% | 4.43% |
| Yield on Earning Assets | 5.31% | 6.89% |
| Cost of Funds | 1.41% | 2.79% |
Asset quality
| Metric | Town & Country Bank | Schertz Bank & Trust |
|---|---|---|
| Texas Ratio | 2.51% | 26.40% |
| Non-Performing Loan Ratio | 0.39% | 4.96% |
| Non-Performing Asset Ratio | 0.27% | 4.14% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.33% | 1.47% |
Balance sheet
| Metric | Town & Country Bank | Schertz Bank & Trust |
|---|---|---|
| Total Assets | $760,801K | $761,914K |
| Total Deposits | $656,996K | $645,958K |
| Total Loans | $493,551K | $621,767K |
| Total Equity | $79,566K | $110,237K |
| Net Income (quarter) | $5,222K | $3,918K |
Liquidity & funding
| Metric | Town & Country Bank | Schertz Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 75.12% | 96.26% |
| Core Deposit Ratio | 95.45% | 77.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Town & Country Bank | Schertz Bank & Trust |
|---|---|---|
| Headquarters City | SALEM | SCHERTZ |
| Headquarters State | MO | TX |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 10 | 6 |
| Employees (FTE) | 142 | 65 |
| Established | Jan. 1, 1894, midnight | Aug. 13, 1913, 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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