Schertz Bank & Trust: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Core deposits to total deposits climbed 1.98 percentage points in Q2 2026, from 75.97% to 77.95%. It was the largest change from Q1 2026 among the key lines here. Schertz Bank & Trust ranks 68th of 345 Texas banks on return on assets, in the upper half at 2.01% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Schertz Bank & Trust reported 2.01% on return on assets in Q2 2026, 0.76 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 15.17% |
| Equity capital to assets | 14.79% |
| Tangible equity to tangible assets | 14.79% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.35% |
| Non-performing assets ratio | 4.58% |
| Net charge-off ratio | -0.04% |
| Texas ratio | 28.72% |
| Allowance for credit losses to loans | 1.50% |
| Reserve coverage of non-performing loans | 28.01% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.01% |
| Return on equity | 13.61% |
| Net interest margin | 4.49% |
| Efficiency ratio | 42.76% |
| Yield on earning assets | 6.93% |
| Cost of funds | 2.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.61% |
| Core deposits to total deposits | 77.95% |
| Brokered deposits to total deposits | 0.62% |
| Deposits to assets | 84.59% |
| Securities to assets | 4.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.58% | 1.35% | 3.21% | 0.03% | -0.00% |
| Q4 2023 | 10.53% | 1.28% | 3.10% | 0.10% | 0.00% |
| Q1 2024 | 10.25% | 1.04% | 2.83% | 0.03% | -0.00% |
| Q2 2024 | 10.20% | 1.17% | 2.92% | 0.28% | -0.06% |
| Q3 2024 | 10.33% | 1.43% | 3.04% | 0.39% | 0.00% |
| Q4 2024 | 10.68% | 0.97% | 3.29% | 0.52% | 1.12% |
| Q1 2025 | 11.57% | 1.40% | 3.49% | 0.76% | -0.04% |
| Q2 2025 | 12.49% | 1.48% | 3.82% | 0.92% | 0.09% |
| Q3 2025 | 13.25% | 1.73% | 4.07% | 2.67% | 0.44% |
| Q4 2025 | 13.83% | 2.05% | 4.32% | 4.05% | 0.12% |
| Q1 2026 | 14.59% | 2.06% | 4.43% | 4.96% | 0.00% |
| Q2 2026 | 15.17% | 2.01% | 4.49% | 5.35% | -0.04% |
Schertz Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Schertz Bank & Trust, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)