Schertz Bank & Trust is a bank based in Schertz, Texas, established in 1913, with $762 million in total assets across 6 branches. By Trust Grade it ranks 2nd of 349 banks we track in Texas. Its capital ratio of 14.5% is stronger than 88% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 2.05% return on assets. No consumer complaints against Schertz Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Schertz Bank & Trust compares to Texas peers
How we graded Schertz Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.5% capital ratio)
- Strongly profitable (ROA 2.05%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Schertz Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (6)
- 5020 Fm 78, Kirby, TX 78219
- 16852 Interstate 35 N, Schertz, TX 78154
- 203 N Highway 123 Byp, Seguin, TX 78155
- 2202 Hunter Rd, San Marcos, TX 78666
- 1174 Loop 337, New Braunfels, TX 78130
- 519 Main St, Schertz, TX 78154
Are deposits at Schertz Bank & Trust insured?
Yes. Schertz Bank & Trust is an FDIC-insured bank (FDIC certificate #10344). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Schertz Bank & Trust: frequently asked questions
Is Schertz Bank & Trust a good bank?
Schertz Bank & Trust earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.5% capital ratio); Strongly profitable (ROA 2.05%).
Is Schertz Bank & Trust FDIC-insured?
Yes. Schertz Bank & Trust is a FDIC-insured bank (FDIC certificate #10344). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Schertz Bank & Trust?
Schertz Bank & Trust holds $762 million in total assets, ranking 2nd of 349 banks we track in Texas. It operates 6 branches.
Does Schertz Bank & Trust have CFPB complaints?
No CFPB complaints against Schertz Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
