Bank · FDIC insured
Schertz Bank & Trust
A $770.1M bank headquartered in Schertz, TX, with 6 branches in Texas. Best rates: CDs 4.06% and savings 0.03% APY.
Schertz Bank & Trust Carrot Score
65
Carrot Score
Higher than 14% of U.S. banks and credit unions
#35 of 47 in San Antonio, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Schertz Bank & Trust
Headquartered in Schertz, Texas, Schertz Bank & Trust was founded in 1913 by local community leaders to serve its communities.
The locally owned institution serves Guadalupe, Comal, Hays, and Bexar Counties and surrounding areas with six total locations.
- Headquarters
- 519 Main St, Schertz, TX 78154
- FDIC certificate
- 10344 ↗
Branches
6 branches in Texas
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Texas
6 branches
San Antonio area · 5
- Schertz Bank & TrustMain office519 Main St, Schertz, TX 78154Directions
- Kirby Branch5020 Fm 78, Kirby, TX 78219Directions
- Schertz Bank & Trust New Braunfels Branch1174 Loop 337, New Braunfels, TX 78130Directions
- Ih 35 Branch16852 Interstate 35 N, Schertz, TX 78154Directions
- Sequin Branch203 N Highway 123 Byp, Seguin, TX 78155Directions
Austin area · 1
- San Marcos Branch2202 Hunter Rd, San Marcos, TX 78666Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.17% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.05% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 2.02% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $95 | $81 | — |
- CapitalLeverage ratio15.17%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.05%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets2.02%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$95Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Schertz Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.