Schertz Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) climbed 12.06 percentage points in Q2 2026, from 112.73% to 124.79%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Schertz Bank & Trust ranks 34th highest among the 346 banks headquartered in Texas, at 94.61% (Q2 2026). Schertz Bank & Trust reported 94.61% on loan-to-deposit ratio for Q2 2026, 13.77 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $616.3M |
| Net loans and leases | $607.0M |
| Loans held for sale | $0 |
| Loans to total assets | 80.02% |
| Loan-to-deposit ratio | 94.61% |
| Net loans to equity capital | 5.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 50.13% |
| Multifamily (5+ residential) | 11.80% |
| Commercial and industrial | 6.01% |
| Consumer | 0.12% |
| Credit cards | 0.00% |
| Farm | 0.70% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.11% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 326.40% |
| Construction concentration (Tier 1 capital + allowance) | 124.79% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.51% |
| Interest income on loans | $11.5M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $702.8M | $680.6M | 41.58% | 6.88% | 0.11% |
| Q4 2023 | $719.4M | $715.0M | 41.69% | 7.13% | 0.10% |
| Q1 2024 | $709.3M | $765.0M | 42.84% | 7.74% | 0.12% |
| Q2 2024 | $695.5M | $771.2M | 43.23% | 7.82% | 0.12% |
| Q3 2024 | $692.6M | $783.8M | 44.88% | 8.02% | 0.12% |
| Q4 2024 | $687.3M | $767.9M | 45.78% | 8.33% | 0.14% |
| Q1 2025 | $669.4M | $712.1M | 46.03% | 8.23% | 0.14% |
| Q2 2025 | $636.5M | $683.2M | 45.89% | 6.52% | 0.13% |
| Q3 2025 | $610.5M | $661.3M | 48.95% | 7.18% | 0.12% |
| Q4 2025 | $617.9M | $658.1M | 49.90% | 7.53% | 0.13% |
| Q1 2026 | $621.8M | $646.0M | 50.10% | 7.27% | 0.12% |
| Q2 2026 | $616.3M | $651.4M | 50.13% | 6.01% | 0.12% |
Schertz Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Schertz Bank & Trust, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Schertz Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10344) · FFIEC NIC profile (RSSD 583268)