BlastPoint's Banking Scorecard
Schertz Bank & Trust
Community
Specialty: Commercial
TX
FDIC cert 10344
Schertz, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
Schertz Bank & Trust has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 28% in Community
- + Efficiency Ratio 19.85% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 1% in Community
- - Liquidity Strain: Bottom 1% in Community
- - Non-Interest Income / Assets 0.61% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$770.2M
-12.6% YoY
+0.0% QoQ
|
-$621.3M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$609.3M
-10.2% YoY
+1.2% QoQ
|
-$366.2M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$658.1M
-14.3% YoY
-0.5% QoQ
|
-$506.5M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.65%
+42.1% YoY
+8.3% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.91%
+28.2% YoY
+3.5% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
42.78%
-4.5% YoY
-3.0% QoQ
|
-19.85% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.07%
-65.7% YoY
-31.7% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 15% in tier |
| Loan-to-Deposit Ratio ? |
92.58%
+4.8% YoY
+1.7% QoQ
|
+9.52% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
17.37%
+16.5% YoY
+3.4% QoQ
|
-3.67% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.15%
-38.4% YoY
-14.5% QoQ
|
-0.35% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.13%
-14.7% YoY
+32.3% QoQ
|
-0.61% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#104 of 371 · Top 28% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
42.78%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (3)
Capital Thin
risk
#1 of 432 · Bottom 1% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
Liquidity Strain
risk
#4 of 513 · Bottom 1% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
92.58%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Non-Interest Income / Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.13%
(Tier avg: 0.74%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
93
93th pctile
Efficiency Ratio
Current: 42.78% · Tier avg: 62.63%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.58% · Tier avg: 83.06%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
42
42th pctile
Total Loans
Current: $609.3M · Tier avg: $975.5M
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.37% · Tier avg: 21.05%
34
34th pctile
Total Deposits
Current: $658.1M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $770.2M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Assets
Current: $770.2M · Tier avg: $1.4B
34
34th pctile
Total Deposits
Current: $658.1M · Tier avg: $1.2B
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.37% · Tier avg: 21.05%
42
42th pctile
Total Loans
Current: $609.3M · Tier avg: $975.5M
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
72
72th pctile
Loan-to-Deposit Ratio
Current: 92.58% · Tier avg: 83.06%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
85
85th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.63%
93
93th pctile
Efficiency Ratio
Current: 42.78% · Tier avg: 62.63%