FDIC Cert #10344 · Schertz, Texas · Est. 1913

Schertz Bank & Trust - FDIC Bank Health Profile

A community-scale look at Schertz Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$770M
Total assets
A
Health grade · Excellent
1.65%
Return on assets
13.8%
Tier 1 capital

Data updated July 2026

The verdict

Schertz Bank & Trust earns a PlainBankData health grade of A (95/100), with well-capitalized at 13.83% Tier 1, profitable at 1.65% ROA, efficient (43% cost ratio).

#1,297
largest of 4,313 FDIC banks by assets
70th
percentile by asset size, nationally
13.83%
Tier 1 ratio - above the 10% well-capitalized line
81st
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 10344 · TX A · 95/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (95/100)
  • TOP-DECILE #360/4307
  • PHOTO-FINISH Town & Country Bank… · IL
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-STRONG 1.65% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: Town & Country Bank Midwest, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Schertz Bank & Trust

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Exchange Bank and Tr… · LA ·…95/100Schertz Bank & Trust · TX · …95/100The Northern State B… · MN ·…95/100Town & Country Bank… · IL · …95/100Vermillion State Bank · MN ·…95/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Schertz Bank & Trust · July 2026

Call Report read for Schertz Bank & Trust in a high-failure state

Schertz Bank & Trust (FDIC Cert #10344) carries a PlainBankData health grade of A at 95/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #360 of 4,307. Tier 1 capital prints at 13.83%, clearing the 10% well-capitalized line. The Texas Ratio is 0.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.65%. Balance-sheet scale is $770M, 1,297th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Town & Country Bank Midwest (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Schertz Bank & Trust

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Schertz Bank & Trust sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Schertz Bank & Trust's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Schertz Bank & Trust's 95/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10095/100
Schertz Bank & Trust's composite health score
Tier 1 Capital Ratio (13.83%) 35/40
Return on Assets (ROA) (1.65%) 25/25
Texas Ratio (0.37%) 20/20
Efficiency Ratio (42.78%) 15/15

95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$770M

Total balance-sheet footings

Total Deposits

$658M

Customer-funded liabilities

Net Loans

$609M

Outstanding loan book

Net Income

$13M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.43% 13.83% 15.23%
Basel III capital ratios - Schertz Bank & Trust

Where Schertz Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Schertz Bank & Trust's score of 95/100 falls in the highlighted band.

Schertz Bank & Trust: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

95 Top 8% higher than 92% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Schertz Bank & Trust 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Schertz Bank & Trust's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Schertz Bank & Trust's $770M falls in the highlighted band.

Capital & credit buffers at Schertz Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

13.83% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
13.83%
Texas Ratio
0.37%
Equity Capital
$106M

What these ratios mean →

Earnings posture at Schertz Bank & Trust

Return on Assets (ROA)
81st percentile nationally
1.65%
Return on Equity (ROE)
13.37%
Efficiency Ratio
42.78%

What these mean →

Income & expense at Schertz Bank & Trust

$52M
Interest Income
$1M
Non-Interest Income
$13M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Schertz Bank & Trust reports a Texas Ratio of 0.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Schertz Bank & Trust on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($770M here), outside Texas so the neighborhood is not state containment.

Endeavor Bank $770M · CA Decorah Bank & Trust Company $771M · IA Reliabank Dakota $772M · SD Macon Bank and Trust Company $772M · TN

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Schertz Bank & Trust (FDIC Cert #10344) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Schertz Bank & Trust Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%