Schertz Bank&Trust
Schertz, Texas · FDIC Cert #10344
Schertz Bank&Trust is an FDIC-insured bank (Certificate #10344) with $880M in total assets and $771M in total deposits as of the Q2 2024 Call Report. Headquartered in Schertz, Texas, the bank maintains a Tier 1 capital ratio of 0.00% (Critically Undercapitalized) and a nonperforming loan ratio of 0.03%. BankHealthData assigns a composite Health Grade of C (51/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Schertz Bank&Trust (FDIC cert 10344) is a community bank — $880M in total assets, $771M in deposits, serving the Schertz, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Tier 1 capital ratio is not disclosed in the most recent Call Report — unusual but possible for new institutions or those filing under specific regulatory exemptions. Asset quality is clean: non-performing loan ratio of 0.03% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 18.9% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 1.39% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Schertz Bank&Trust carries a composite BankHealth grade of C (51/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Schertz Bank&Trust
- Total Assets
- $880M
- Total Deposits
- $771M
- Tier 1 Capital Ratio
- 0.00%
- Capital Status
- Critically Undercapitalized
- Nonperforming Loans
- 0.03%
- Liquidity Ratio
- 18.88%
- Return on Assets
- 1.39%
- Headquarters
- Schertz, Texas
- FDIC Certificate
- #10344
- Health Grade
- C (51/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Schertz Bank&Trust holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject Schertz Bank&Trust to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
Schertz Bank&Trust shows average financial health. While not alarming, its Health Score of 51/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Schertz Bank&Trust Compares
Schertz Bank&Trust’s Health Score of 51 is 23 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 0.00% Tier 1 capital ratio is 14.0 points below the US banking industry average near 14%. The 0.03% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 1.39% is in line with or above the national ROA benchmark of ~1.1%. Among 1126 similarly-sized banks, the average Health Score is 70, meaning this bank ranks below its size cohort. Site-wide, Schertz Bank&Trust is 19 points below the portfolio average of 70.
Frequently Asked Questions
Schertz Bank&Trust has a Bank Health Score of C (51/100), placing it in average financial health. It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Schertz Bank&Trust's Tier 1 capital ratio of 0.00% and nonperforming loan ratio of 0.03% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Schertz Bank&Trust is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #10344). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Schertz Bank&Trust holds $880M in total assets and $771M in total deposits. It is headquartered in Schertz, Texas (FDIC Certificate #10344).
Schertz Bank&Trust has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.03%, and the return on assets is 1.39%.
Yes. Schertz Bank&Trust is FDIC-insured (Certificate #10344). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Schertz Bank&Trust's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.