Schertz Bank & Trust: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Schertz Bank & Trust of Schertz, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.01% | 1.34% | +0.67% | 86th top |
| ROAE | 13.61% | 13.31% | +0.30% | 58th above |
| Net Interest Margin | 4.49% | 3.93% | +0.56% | 79th top |
| Efficiency Ratio | 42.76% | 61.15% | -18.39% | 92nd top |
| PPNR / Avg Assets | 2.53% | 1.68% | +0.85% | 90th top |
| Yield on Earning Assets | 6.93% | 5.67% | +1.26% | 94th top |
| Cost of Funds | 2.75% | 1.88% | +0.87% | 10th bottom |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.35% | 0.94% | +4.41% | 2nd bottom |
| NPA / Total Assets | 4.58% | 0.70% | +3.88% | 1st bottom |
| NCO / Avg Loans | -0.04% | 0.16% | -0.20% | 94th top |
| ACL / Total Loans | 1.50% | 1.28% | +0.22% | 78th top |
| ACL / NPLs (Coverage) | 28.01% | 1539.91% | -1511.90% | 3rd bottom |
| Texas Ratio | 28.72% | 7.32% | +21.40% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 15.17% | 12.14% | +3.03% | 87th top |
| Equity / Assets | 14.79% | 11.37% | +3.42% | 88th top |
| TCE / Tangible Assets | 14.79% | 11.09% | +3.70% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.61% | 80.63% | +13.98% | 19th bottom |
| Core Deposit Ratio | 77.95% | 86.87% | -8.92% | 12th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -2.19% | 6.86% | -9.05% | 10th bottom |
| Loan Growth (Y/Y) | -3.17% | 7.91% | -11.08% | 11th bottom |
| Deposit Growth (Y/Y) | -4.65% | 6.30% | -10.95% | 7th bottom |
See Schertz Bank & Trust's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Schertz Bank & Trust, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Schertz Bank & Trust profile, how to read a UBPR, or how this data updates.