| Weiss Ratings |
Schertz Bank & Trust
Schertz, TX |
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| Rating | ||||
| Asset Quality Index | 7.20 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.20 | |||
| Profitability Index | 6.40 | |||
| Stability Index | 3.70 | |||
| Company Info |
Schertz Bank & Trust
Schertz, TX |
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| FDIC Number | 10344 | |||
| Phone Number | (210) 945-7400 | |||
| Website | www.schertzbank.com | |||
| Asset Quality |
Schertz Bank & Trust
Schertz, TX |
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| 1-Year Asset Growth | -6.79% | |||
| 5-Year Asset Growth | 22.34% | |||
| 5-Year Charge-Offs to Average Loans | 0.12% | |||
| Charge-Offs to Average Loans | -0.04% | |||
| Non-Performing Assets to Assets | 0.69% | |||
| Non-Performing Loans to Capital | 1.16% | |||
| Non-Performing Loans to Loans | 0.76% | |||
| Balance Sheet |
Schertz Bank & Trust
Schertz, TX |
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| Total Assets | 813.58M | |||
| Total Deposits | 712.15M | |||
| Capital and Reserves |
Schertz Bank & Trust
Schertz, TX |
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| Capital | 95.71M | |||
| Leverage Ratio | 11.57 | |||
| Loan Loss Reserves to Loans | 1.37% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Schertz Bank & Trust
Schertz, TX |
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| Hot Money Ratio | 46.22% | |||
| Liquidity Ratio | 15.29% | |||
| Profitability |
Schertz Bank & Trust
Schertz, TX |
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| 5-Year Return on Average Assets | 1.54% | |||
| Net Income | 2.93M | |||
| Net Interest Spread | 3.49% | |||
| Operating Profit to Average Assets | 1.75% | |||
| Overhead Efficiency Ratio | 43.82% | |||
| Return on Assets | 1.40% | |||
| Return on Equity | 12.48% | |||