Vitals
  • Total Assets
    319.0M 27.9 %
  • Total Deposits
    287.0M 29.9 %
  • Total Net Loans
    247.0M 23.6 %
  • Net Income
    3.6M 32.6 %
  • Book Value
    31.0M 11.9 %
  • Book Value x2
    61.9M 11.9 %
  • Book Value x3
    92.9M 11.9 %
ROAA

1.26

ROAE

12.39

Efficiency Ratio

55.209

Net Interest Margin

4.285

Balance Sheet Highlights
Financial Highlights Schertz Bank & Trust All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 319,048 358,087
Total Net Loans 246,956 213,533
Total Deposits 286,977 308,027
Total Equity 30,952 38,740
Profitability
Net Income 3,636 3,845
Return on Average Assets 1.26 1.025
Return on Average Equity 12.39 9.415
Net Interest Margin 4.285 3.773
Efficiency Ratio 55.209 66.762
Noninterest Income/Revenue 9.784 16.375
Balance Sheet Ratios
Loan-to-Deposit 86.054 65.494
Securities/Assets .072 .214
Total Equity/Total Assets .097 .108
Tangible Equity/Tangible Assets .097 .104
Capital Adequacy
Tier 1 Common Capital 31,164 37,278
Tier 1 Capital 31,164 37,303
Tier 2 Capital 2,087 2,526
Total Capital 33,251 39,866
Total Risk Weighted Assets 282,136 237,367
Leverage Ratio 10.2 10.563
Common Equity Tier 1 Capital Ratio 11.05 18.073
Tier 1 Capital Ratio 11.05 18.097
Total Capital Ratio 11.79 19.169

Timeline for Schertz Bank & Trust

Kirby State Bank

Acquisition: Schertz Bank & Trust acquired a new subsidiary, Kirby State Bank, 35 years

View Profile Sep 15 1989

Seguin Joint Venture

Seguin Joint Venture became a new subsidiary organization for Schertz Bank & Trust.

View Profile Jul 12 1988

Seguin 123 Joint Venture

Seguin 123 Joint Venture became a new subsidiary organization for Schertz Bank & Trust.

View Profile Jul 12 1988

Schertz Bancshares Corporation

Schertz Bancshares Corporation became a new parent organization for Schertz Bank & Trust.

View Profile Mar 17 1981

Schertz Bank & Trust

Schertz Bank & Trust was established 111 years ago and is currently headquartered in Schertz, TX.

Aug 13 1913
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Kirby State Bank Seller 16,787 Failure 9/15/1989
Relationships Role Relationship Start Relationship End
Schertz Bancshares Corporation Parent 12/31/1983
Schertz Bancshares Corporation Parent 3/17/1981 12/30/1983
Seguin Joint Venture Subsidary 7/12/1988 8/31/2001
Seguin 123 Joint Venture Subsidary 7/12/1988 8/31/2001
Similar Organizations
Organization City State Total Assets
First Bank
 		Clewiston FL 309.5M
First Citrus Bank
 		Tampa FL 305.8M
Mechanics & Farmers Bank
 		Durham NC 310.0M
Municipal Trust And Savings Bank
 		Bourbonnais IL 305.2M
Grinnell State Bank
 		Grinnell IA 305.1M
Mariners Bank
 		Edgewater NJ 310.7M
Guardian Bank
 		Valdosta GA 304.7M
Premierbank
 		Fort Atkinson WI 303.4M
Gateway Bank Of Florida
 		Daytona Beach FL 301.3M
Damascus Community Bank
 		Damascus MD 314.4M