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Schertz Bank & Trust

$100M-$1B Specialty: Commercial TX FDIC cert 10344

Schertz, TX

6 branches across TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits -4.7% year over year ($651.4M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 2.02%.
  • Efficiency ratio 41.71% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.19% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Schertz Bank & Trust has 4 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Profitability Leader: Top 17.7% in tier
  • + Efficiency Ratio 22.77% below tier average
  • + Net Interest Margin 0.45% above tier average
  • + Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 4.3% in tier
  • - Capital Constraint: Bottom 49.5% in tier
  • - Non-Interest Income / Assets 0.50% below tier average
Get updates when Schertz Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $770.1M
-2.2% YoY +1.1% QoQ
+$383.6M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
Top 9.5% in tier
Total Loans ? $607.0M
-3.2% YoY -0.9% QoQ
+$348.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
Top 5.8% in tier
Total Deposits ? $651.4M
-4.7% YoY +0.8% QoQ
+$324.7M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
Top 9.4% in tier
Return on Assets ? 2.02%
+41.2% YoY -1.5% QoQ
+0.69% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 12.8% in tier
Net Interest Margin ? 4.44%
+21.9% YoY +0.3% QoQ
+0.45% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
77%
Efficiency Ratio ? 41.71%
-6.7% YoY +3.3% QoQ
-22.77% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
Top 5.6% in tier
Delinquency Rate ? 0.05%
-72.7% YoY +44.5% QoQ
-0.86% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 93.19%
+1.5% YoY -1.7% QoQ
+15.24% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
20%
Non-Interest-Bearing Deposit Share ? 18.37%
+9.3% YoY +5.8% QoQ
-3.66% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
38%
Nonperforming Asset Ratio ? 0.34%
+38.0% YoY +180.1% QoQ
-0.33% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
49%
Tier 1 Capital Ratio ? 15.17%
+21.5% YoY +4.0% QoQ
-0.73% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.07%
+7.7% YoY +102.8% QoQ
-0.50% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
Bottom 9.8% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Noninterest-Bearing 18.4%
+1.6pp YoY
+1.0pp QoQ
 -3.8pp 22.1% 29.2% 22.2% 38%
Brokered Deposits 0.6%
-0.7pp QoQ
 -7.2pp 7.9% 8.0% 8.5% 13%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 6.1%
-0.5pp YoY
-1.3pp QoQ
 -5.5pp 11.6% 14.8% 12.5% 26%
CRE 88.4%
+1.8pp YoY
+2.9pp QoQ
 +48.9pp 39.5% 48.4% 41.4% 99%
1-4 Family 4.0%
-0.8pp YoY
-0.7pp QoQ
 -28.7pp 32.6% 25.8% 31.3% 4%
Consumer 0.1%
0.0pp YoY
0.0pp QoQ
 -4.0pp 4.1% 4.7% 5.0% 6%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.7% 19.7% n/a
Leverage Ratio 15.2%
+2.7pp YoY
+0.6pp QoQ
 +3.0pp 12.2% 12.6% 12.6% 87%
Total Capital Ratio n/a n/a 19.9% 23.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 73
+4 (+5.8%) YoY
+8 (+12.3%) QoQ
 +14 58 186 482 73%
Assets per Employee ($) $10.5M
-7.5% YoY
-10.0% QoQ
 +$3.0M $7.5M $10.1M $8.8M 88%
Branch Count 6
0 YoY
0 QoQ
 +1 4 12 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0% -0.3pp 0.3% 0.3% 0.4% 22%
Nonaccrual 0.0%
-0.2pp YoY
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 9%
Allowance Coverage 28.18x
+268.8% YoY
-29.4% QoQ
 +4.03x 24.15x 18.82x 20.23x 91%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 10%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 14.0%
+1.7pp YoY
-0.4pp QoQ
 +1.8pp 12.2% 13.2% 11.6% 62%
Cost of Funds (YTD) 2.5%
-0.5pp YoY
0.0pp QoQ
 +0.7pp 1.7% 1.6% 1.7% 88%
Net Income ($, YTD) $7.7M
+31.0% YoY
— QoQ
 +$5.2M $2.6M $15.9M $40.4M 97%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth
#118 of 661 • Top 17.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.02%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Liquidity Strain

risk
#31 of 691 • Bottom 4.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 93.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Capital Constraint

risk
#54 of 107 • Bottom 49.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 93.19%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 15.17%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

148
Efficiency Ratio
profitability
Value: 41.71%
Peer Median: 64.48%
#148 of 2643 Top 5.6% in $100M-$1B
153
Total Loans
size
Value: $607.05M
Peer Median: $258.35M
#153 of 2643 Top 5.8% in $100M-$1B
249
Total Deposits
size
Value: $651.42M
Peer Median: $326.73M
#249 of 2643 Top 9.4% in $100M-$1B
253
Total Assets
size
Value: $770.13M
Peer Median: $386.57M
#253 of 2643 Top 9.5% in $100M-$1B
340
Return on Assets
profitability
Value: 2.02%
Peer Median: 1.32%
#340 of 2643 Top 12.8% in $100M-$1B
566
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#566 of 2633 Top 21.5% in $100M-$1B
613
Net Interest Margin
profitability
Value: 4.44%
Peer Median: 3.99%
#613 of 2643 Top 23.2% in $100M-$1B

Top Weaknesses (2 metrics)

2385
Non-Interest Income / Assets
revenue_mix
Value: 0.07%
Peer Median: 0.57%
#2385 of 2643 Bottom 9.8% in $100M-$1B
2120
Loan-to-Deposit Ratio
liquidity
Value: 93.19%
Peer Median: 77.95%
#2120 of 2643 Bottom 19.8% in $100M-$1B
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