Banks | Schertz Bank & Trust

Schertz Bank & Trust


Schertz Bank & Trust is an FDIC insured institution headquartered at 519 Main St, Schertz, TX 78154.
It was founded in 1913 and has approximately $1 billion in assets. Customers can open an account at one of its 5 branches.

Deposit Rates - April 02, 2025

SAVINGS RATES APY MIN
Savings
0.03% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.65% $10,000 Compare
6 Mo CD
0.65% $100,000 Compare
12 Mo CD
0.90% $10,000 Compare
12 Mo CD
0.90% $100,000 Compare
18 Mo CD
0.90% $10,000 Compare
18 Mo CD
0.90% $100,000 Compare
24 Mo CD
1.00% $10,000 Compare
24 Mo CD
1.00% $100,000 Compare
30 Mo CD
1.00% $10,000 Compare
30 Mo CD
1.00% $100,000 Compare
36 Mo CD
1.05% $10,000 Compare
36 Mo CD
1.05% $100,000 Compare
48 Mo CD
1.10% $10,000 Compare
48 Mo CD
1.10% $100,000 Compare
60 Mo CD
1.20% $10,000 Compare
60 Mo CD
1.20% $100,000 Compare
MM RATES APY MIN
Money Market
0.03% $2,500 Compare
Money Market
0.03% $10,000 Compare
Money Market
0.05% $25,000 Compare
INT CHECKING RATES APY MIN
Int Ckg
0.02% $1
Int Ckg
0.02% $2,500

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 10344
Date Established 1913
Assets $ 896.79 million
Loans $ 683.76 million
Deposits $ 783.82 million
Capital $ 90.88 million

Summary Balance Sheet as of September 30, 2024

ASSETS
Cash & Balances due from depository institutions $ 172.81 million
Interest-bearing balances $ 168.57 million
Total securities $ 13.42 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 683.76 million
Loan loss allowance $ 8.81 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.03 million
Goodwill and other intangibles N.A.
All other assets $ 15.52 million
     Total Assets $ 805.91 million

LIABILITIES
Total deposits $ 783.82 million
      Interest-bearing deposits $ 664.34 million
      Deposits held in domestic offices $ 783.82 million
      % insured (estimated)" 62.15%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 10.00 million
Subordinated debt N.A.
All other liabilities $ 2.18 millionn
      Total Liabilities $ 805.91 million
      Shareholders’ Equity $ 90.88 million

Summary Income Statement as of September 30, 2024

INCOME AND EXPENSES
Total Interest Income $ 39.57 million
Total Interest Expense $ 20.96 million
Net interest income $ 18.62 million
Provision for loan and lease losses $ 0.48 million
Total non interest income $ 1.12 million
Total non interest expense $ 9.29 million
Pre-tax Net Operating Income $ 7.28 million

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