| Weiss Ratings |
Schertz Bank & Trust
Schertz, TX |
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| Rating | ||||
| Asset Quality Index | 3.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 0.20 | |||
| Profitability Index | 8.90 | |||
| 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 | -2.19% | |||
| 5-Year Asset Growth | 9.17% | |||
| 5-Year Charge-Offs to Average Loans | 0.10% | |||
| Charge-Offs to Average Loans | -0.02% | |||
| Non-Performing Assets to Assets | 4.58% | |||
| Non-Performing Loans to Capital | 13.45% | |||
| Non-Performing Loans to Loans | 5.35% | |||
| Balance Sheet |
Schertz Bank & Trust
Schertz, TX |
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| Total Assets | 770.13M | |||
| Total Deposits | 651.42M | |||
| Capital and Reserves |
Schertz Bank & Trust
Schertz, TX |
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| Capital | 113.94M | |||
| Leverage Ratio | 15.17 | |||
| Loan Loss Reserves to Loans | 1.50% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Schertz Bank & Trust
Schertz, TX |
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| Hot Money Ratio | 42.34% | |||
| Liquidity Ratio | 18.29% | |||
| Profitability |
Schertz Bank & Trust
Schertz, TX |
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| 5-Year Return on Average Assets | 1.59% | |||
| Net Income | 7.73M | |||
| Net Interest Spread | 4.46% | |||
| Operating Profit to Average Assets | 2.54% | |||
| Overhead Efficiency Ratio | 41.71% | |||
| Return on Assets | 2.03% | |||
| Return on Equity | 14.03% | |||