Schertz Bank & Trust: how it compares with its peers
Against 122 TX banks with half to twice its assets, Schertz Bank & Trust's strongest measure in Q2 2026 is efficiency ratio (41.71% vs. a 60.06% peer median). Its weakest relative measure is net interest margin (4.44% vs. 4.19%).
| Measure | Schertz Bank & Trust | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.02% | 1.44% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.44% | 4.19% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 41.71% | 60.06% | Top third Ahead of 89% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.5M | $7.8M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 93.19% | 77.64% | Context |
What it means for lending operations
Its efficiency ratio of 41.71% is better than the 60.06% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Sage Capital Bank, Gonzales, TX · $769M
- Liberty Capital Bank Addison, TX · $768M
- American Bank, National Association Dallas, TX · $774M
- Commerce Bank Laredo, TX · $762M
- First State Bank Athens, TX · $762M
- First Community Bank San Benito, TX · $794M
Questions about Schertz Bank & Trust
How big is Schertz Bank & Trust?
Schertz Bank & Trust, established in 1913, is headquartered in Schertz, TX. It reported $770M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is Schertz Bank & Trust's return on assets?
2.02% annualized in Q2 2026, against a 1.44% median for 122 TX banks with half to twice its assets, ahead of 85% of them.
What is Schertz Bank & Trust's efficiency ratio?
41.71% in Q2 2026: it spent about 42 cents in noninterest expense for each dollar of revenue. The peer median is 60.06%, and lower is better.
Is Schertz Bank & Trust growing its loans?
Net loans shrank 3.2% over the year to Q2 2026, while deposits shrank 4.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.