BlastPoint's Banking Scorecard

Schertz Bank & Trust

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

Schertz, TX

6 branches across TX

2664 banks in the $100M-$1B peer group nationally 219 in TX

Schertz Bank & Trust has 4 strengths but faces 2 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 15.9% in tier
+ Efficiency Ratio 24.91% below tier average
+ Net Interest Margin 0.49% above tier average
+ Delinquency Rate 0.85% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.2% in tier
- Capital Constraint: Bottom 48.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$761.9M -6.4% YoY -1.1% QoQ	+$375.8M	$386.1M +0.5% YoY	$2.3B +1.1% YoY	$6.2B +9.1% YoY	Top 10.1% in tier
Total Loans ?	$612.6M -7.2% YoY +0.5% QoQ	+$356.9M	$255.7M +1.1% YoY	$1.1B +10.2% YoY	$3.2B +10.8% YoY	Top 5.4% in tier
Total Deposits ?	$646.0M -9.3% YoY -1.8% QoQ	+$318.0M	$328.0M +0.1% YoY	$1.9B +3.3% YoY	$4.8B +8.2% YoY	Top 9.9% in tier
Return on Assets ?	2.05% +47.7% YoY +24.2% QoQ	+0.78%	1.27% +12.9% YoY	1.40% +10.3% YoY	1.23% +13.4% YoY	Top 11.4% in tier
Net Interest Margin ?	4.42% +27.2% YoY +13.1% QoQ	+0.49%	3.93% +6.0% YoY	4.03% +2.6% YoY	3.89% +5.7% YoY	79%
Efficiency Ratio ?	40.38% -7.8% YoY -5.6% QoQ	-24.91%	65.29% -4.5% YoY	63.18% -2.3% YoY	66.95% -4.1% YoY	Top 4.4% in tier
Delinquency Rate ?	0.04% -81.9% YoY -46.5% QoQ	-0.85%	0.89% +18.8% YoY	0.96% +36.6% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	94.84% +2.3% YoY +2.4% QoQ	+18.20%	76.64% +0.8% YoY	67.20% -0.8% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	17.36% +13.1% YoY -0.1% QoQ	-4.66%	22.02% -1.0% YoY	29.02% -1.0% YoY	22.01% -1.2% YoY	33%
Nonperforming Asset Ratio ?	0.12% -52.1% YoY -16.7% QoQ	-0.52%	0.64% +19.7% YoY	0.62% +31.5% YoY	0.67% +19.3% YoY	68%
Tier 1 Capital Ratio ?	14.59% +26.1% YoY +5.5% QoQ	-1.24%	15.83% +1.5% YoY	18.04% +0.0% YoY	17.06% +0.8% YoY	63%
Non-Interest Income / Assets ?	0.03% +9.3% YoY -74.4% QoQ	-0.25%	0.28% +9.3% YoY	0.20% +4.0% YoY	0.32% +4.1% YoY	Bottom 10.2% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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

#107 of 666 • Top 15.9% in tier

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

Why this signature

Return on Assets: 2.05%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#15 of 643 • Bottom 2.2% 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: 94.84%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Capital Constraint

risk

#53 of 108 • Bottom 48.1% 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: 94.84%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.59%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (7 metrics)

119

Efficiency Ratio

profitability

Value: 40.38%

Peer Median: 65.29%

#119 of 2664 Top 4.4% in $100M-$1B

146

Total Loans

size

Value: $612.62M

Peer Median: $255.72M

#146 of 2664 Top 5.4% in $100M-$1B

264

Total Deposits

size

Value: $645.96M

Peer Median: $327.97M

#264 of 2664 Top 9.9% in $100M-$1B

269

Total Assets

size

Value: $761.91M

Peer Median: $386.08M

#269 of 2664 Top 10.1% in $100M-$1B

306

Return on Assets

profitability

Value: 2.05%

Peer Median: 1.27%

#306 of 2664 Top 11.4% in $100M-$1B

496

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#496 of 2654 Top 18.7% in $100M-$1B

560

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.93%

#560 of 2664 Top 21.0% in $100M-$1B

Top Weaknesses (2 metrics)

2394

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2394 of 2664 Bottom 10.2% in $100M-$1B

2251

Loan-to-Deposit Ratio

liquidity

Value: 94.84%

Peer Median: 76.64%

#2251 of 2664 Bottom 15.5% in $100M-$1B