Schertz Bank & Trust
Schertz, TX
IDRSSD: 583268
Total Assets
$770.20M
Latest filing
Total Deposits
$658.08M
Latest filing
Net Interest Margin
4.37%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114916103SCHERTZ, TX
Key People
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Locations
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Main Office
Schertz Bank & Trust
519 Main St
Schertz, TX 78154
Full Service - Brick and Mortar
Updated 01/30/2026Established 08/13/1913FDIC Certificate 6623
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Schertz Bank & Trust (Main) | 519 Main St | Schertz, TX |
| KIRBY BRANCH | 5020 Fm 78 | Kirby, TX |
| IH 35 BRANCH | 16852 Interstate 35 N | Schertz, TX |
| SEQUIN BRANCH | 203 N Highway 123 Byp | Seguin, TX |
| SAN MARCOS BRANCH | 2202 Hunter Rd | San Marcos, TX |
| SCHERTZ BANK & TRUST NEW BRAUNFELS BRANCH | 1174 Loop 337 | New Braunfels, TX |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 08/13/1913 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78154 |
| State and County Number | 48187 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | San Antonio-New Braunfels, TX |
Operational Info
| Number of Employees | 71 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.schertzbank.com |
| Data Updated | 01/30/2026 |
| CERT | 10344 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $770.20M |
| Total Deposits | $658.08M |
| Total Liabilities | $663.73M |
| Total Equity Capital | $106.47M |
| Net Income | $3.97M |
| Net Loans and Leases | $609.28M |
| Assets Per Employee ($Millions) | $10.85M |
| Bank Premises and Fixed Assets | $8.89M |
| Cash and Balances due from Depository Institutions | $95.44M |
| Deposits Held in Domestic Offices | $658.08M |
Key Performance Ratios
| Return on Assets (ROA) | 2.06% |
| Return on Equity (ROE) | 15.22% |
| Net Interest Margin | 4.37% |
| Efficiency Ratio | 39.17% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.08% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.823% |
| Earning Assets to total Assets | 95.74% |
Income and Expense
| Total Interest Income | $13.00M |
| Total Noninterest Income | $252.00k |
| Total Interest Expense | $4.94M |
| Total Noninterest Expense | $3.25M |
| Net Interest Income | $8.06M |
| Pre-tax Net Operating Income | $4.90M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $694.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.65M |
| Total Liabilities and Capital | $770.20M |
Securities
| Securities | $36.20M |
| Available-for-sale debt securities | $36.20M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Schertz Bank & Trust?
$770.20M as of the latest filing.
How much are Schertz Bank & Trust's total deposits?
$658.08M in total deposits.
Where is Schertz Bank & Trust located?
Schertz, TX.
What is the Net Interest Margin?
4.37%.
How many domestic offices does it operate?
6.
When was it established?
08/13/1913.
What is the Return on Assets (ROA)?
2.06%.
How much are total loans and leases?
$609.28M (latest filing).
What is the total interest income (latest filing)?
$13.00M.