Schertz Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Schertz Bank & Trust is an FDIC-insured commercial bank headquartered in Schertz, TX, established in 1913 (FDIC certificate 10344), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $770.1M, down 2.2% from Q2 2025, the 113th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 15.17% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10344
- Headquarters
- Schertz, TX
- Established
- 1913
- Total assets, Q2 2026
- $770.1M
- Assets vs Q2 2025
- -2.2%
- Tier 1 leverage ratio, Q2 2026
- 15.17%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 114916103
- Holding company
- SCHERTZ BANCSHARES CORPORATION
- Asset rank in state
- 113th of 346 in Texas
Schertz Bank & Trust runs leaner than most banks of its size. It reported $770 million in assets at June 30, 2026, down 2.2% from a year earlier. It spends about 43 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it pays an average of 2.75% on its deposits and borrowings, higher than about 9 in 10 banks its size (median 1.80%).
Net income for the quarter rose 28% from a year earlier, to $3.8 million. Concentration is the risk to watch: it holds commercial real estate loans worth 3.3 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Schertz Bank & Trust reported a return on assets of 2.01%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 2.12%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Schertz Bank & Trust is the 113th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $770.1M, loans fell 0.9% and deposits rose 0.8%. Its loan book on June 30, 2026 was led by non-owner-occupied commercial real estate loans, at 27.4% of total loans, followed by construction and land development loans at 25.2%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in TX; its Schertz 2 offices book 61% of its branch deposits. On its Q2 2026 call report, Schertz Bank & Trust meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 519 Main St, Schertz, TX 78154
- County
- Guadalupe
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- August 13, 1913
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $651.4M
- Allowance for credit losses
- $9.2M
- Net charge-offs (YTD)
- -$62K
- Average total assets
- $758.1M
- Average total loans
- $614.7M
- Average interest-bearing deposits
- $532.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10344
- Fed RSSD
- 583268
- Website
- www.schertzbank.com →
- Parent Holding Company
- SCHERTZ BANCSHARES CORPORATION (RSSD 1105443)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Schertz Bank & Trust reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Schertz Bank & Trust's total assets ran between $761.9M (Q1 2026) and $896.8M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$770.1M total assets against $787.4M; $656.2M total liabilities against $688.7M.
$607.0M net loans and leases against $627.0M; $651.4M total deposits against $683.2M.
$36.2M securities against $34.1M; $94.2M cash and balances due against $99.3M.
$12.6M total interest income against $13.0M; $4.5M total interest expense against $5.7M.
$8.1M net interest income against $7.4M.
$274K total noninterest income against $253K; $3.6M total noninterest expense against $3.5M.
$35K provision for credit losses against $450K.
$3.8M net income against $3.0M.
2.01% return on assets against 1.48%; 4.49% net interest margin against 3.82%.
15.17% tier 1 leverage ratio against 12.49%.
Inside the full Schertz Bank & Trust terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Schertz Bank & Trust rankings
Its closest position to the top of a national ranking is 317 of 3,606, for efficiency ratio; its furthest is 2,211 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.97% (Q4 2024) to 2.06% (Q1 2026) and its net interest margin ran from 3.04% (Q3 2024) to 4.49% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.17% | 2.01% | 0.05% | 2.12% | 4.49% |
| Q1 2026 | 14.59% | 2.06% | 0.04% | 0.77% | 4.43% |
| Q4 2025 | 13.83% | 2.05% | 0.07% | 0.86% | 4.32% |
| Q3 2025 | 13.25% | 1.73% | 0.10% | 1.06% | 4.07% |
| Q2 2025 | 12.49% | 1.48% | 0.20% | 1.67% | 3.82% |
| Q1 2025 | 11.57% | 1.40% | 0.20% | 1.84% | 3.49% |
| Q4 2024 | 10.68% | 0.97% | 0.20% | 1.93% | 3.29% |
| Q3 2024 | 10.33% | 1.43% | 0.18% | 1.09% | 3.04% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Schertz Bank & Trust (main office) | Schertz , TX | 78154 | $296.7M |
| Ih 35 Branch | Schertz , TX | 78154 | $98.9M |
| Kirby Branch | Kirby , TX | 78219 | $79.3M |
| Schertz Bank & Trust New Braunfels Branch | New Braunfels , TX | 78130 | $77.5M |
| Sequin Branch | Seguin , TX | 78155 | $61.6M |
| San Marcos Branch | San Marcos , TX | 78666 | $37.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| September 15, 1989 | Structure Change | Acquired Kirby State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| September 14, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 155 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $2.0M approved, $996K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Schertz Bank & Trust
What are Schertz Bank & Trust's total assets?
As of the Q2 2026 filing, Schertz Bank & Trust reported total assets of $770.1 million in its FFIEC call report.
Where is Schertz Bank & Trust headquartered?
It is headquartered in Schertz, TX, United States.
When was Schertz Bank & Trust founded?
It was established in 1913, per the FDIC institution directory.
Is Schertz Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10344). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Schertz Bank & Trust?
Schertz Bank & Trust's primary federal regulator is the FDIC.
How many branches does Schertz Bank & Trust operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Schertz Bank & Trust's Texas Ratio?
Its Texas Ratio is 2.12% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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