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Schertz Bank & Trust
Schertz, TX · FDIC Certificate #10344 · Chartered 08/1
Total assets
$770.13M
Total deposits
$651.42M
Total equity
$113.94M
Net loans
$607.05M
Branches (offices)
6
Net income (YTD)
$7.73M
Rank: #1,295 of 4,213 U.S. banks by assets · #113 of 346 in Texas. Assets changed -2.2% and deposits -4.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.02% |
| Return on equity | 14.03% |
| Net interest margin (YTD) | 4.44% |
| Equity to assets | 14.79% |
| Tier 1 leverage ratio | 15.17% |
| Uninsured deposits (share of deposits) | 38.0% |
| Noncurrent loans (share of loans) | 0.05% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 93.2% |
| Real estate loans (share of loans) | 93.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $565.06M | 93.1% | |
| Commercial & industrial | $37.06M | 6.1% | |
| Consumer / individual | $764.00K | 0.1% | |
| Construction & development | $155.08M | 25.5% | |
| Agricultural | $244.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $652.85M | $573.26M | $5.82M | $67.41M |
| Jun 2023 | $771.77M | $663.92M | $5.89M | $78.83M |
| Jun 2024 | $879.88M | $771.24M | $4.78M | $87.22M |
| Jun 2025 | $787.38M | $683.21M | $5.90M | $98.69M |
| Jun 2026 | $770.13M | $651.42M | $7.73M | $113.94M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $651.42M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $651.42M.
Similar-sized banks
The Peoples Bank, Biloxi, Mississippi ($770.66M) · Fnb Bank, Inc. ($769.97M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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