Schertz Bank&Trust (FDIC #10344): Bank Stress & Real-Estate Credit Exposure
Schertz Bank&Trust (FDIC Cert #10344): bank stress 33/100, contained, STABLE over 7 days; parent SCHERTZ BANCSHARES CORP.
Schertz Bank&Trust (#10344) lends in 4 counties across 1 state; Schertz Bank&Trust (#10344) reaches 105 ZIP codes: Texas 4 counties, 105 ZIPs.
Schertz Bank&Trust (#10344) largest markets: Bexar County, TX (78 branches, 78 ZIPs) (#10344), Comal County, TX (14 branches, 14 ZIPs) (#10344), Guadalupe County, TX (42 branches, 14 ZIPs) (#10344), Hays County, TX (14 branches, 14 ZIPs) (#10344).
Schertz Bank&Trust (#10344) reports $770.1 million in total assets; Schertz Bank&Trust (#10344) equity $113.9 million (14.8% of Schertz Bank&Trust (#10344) assets); Schertz Bank&Trust (#10344) domestic deposits $651.4 million; Schertz Bank&Trust (#10344) net income $7.7 million; Schertz Bank&Trust (#10344) return on assets 2.02%; Schertz Bank&Trust (#10344) return on equity 14.03%; Schertz Bank&Trust (#10344) net interest income $16.3 million; Schertz Bank&Trust (#10344) call report June 30, 2026.
Schertz Bank&Trust (#10344) noncurrent real-estate loans: none reported; Schertz Bank&Trust (#10344) net charge-offs on real estate 0.04%.
Schertz Bank&Trust (#10344) net interest margin 4.44% against an eight-quarter Schertz Bank&Trust (#10344) average of 3.71% (Schertz Bank&Trust (#10344) compression -0.73 points); Schertz Bank&Trust (#10344) rate-exposure score 40/100, Schertz Bank&Trust (#10344) fixed-rate trap 40/100; Schertz Bank&Trust (#10344) risk type rate trapped; Schertz Bank&Trust (#10344) rate regime rates elevated, Schertz Bank&Trust (#10344) snapshot October 20, 2026.
Schertz Bank&Trust (#10344) stress score moved from 32.6 on June 22, 2026 to 33.4 on October 20, 2026; Schertz Bank&Trust (#10344) ranged 32.6 to 33.4 over 117 snapshots.
Schertz Bank&Trust (#10344) alerts: 4 counties; top Schertz Bank&Trust (#10344) alert scores: New Braunfels County, TX 14 (low); San Antonio County, TX 14 (low); San Marcos County, TX 14 (low); Seguin County, TX 14 (low).