Schertz Bank & Trust vs Commercial State Bank
Comparing a Bank in Schertz, TX with a Bank in Palmer, TX using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Schertz Bank & Trust ↗ Bank · Schertz, TX · Est. 1913 | Commercial State Bank ↗ Bank · Palmer, TX · Est. 1930 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Schertz, TX | Palmer, TX |
| Total assets | $761.9M | $121.3M |
| Capital ratio | 14.5% | 10.2% |
| Return on assets | 2.0% | 1.5% |
| Deposits | $646.0M | $108.5M |
| Branches | 6 | 3 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 349 | #1 of 349 |
| Established | 1913 | 1930 |
Schertz Bank & Trust
- Assets: $761.9M
- Deposits: $646.0M
- Capital ratio: 14.5%
- Return on assets: 2.0%
- CFPB complaints: 0
- State rank: #2 of 349
Commercial State Bank
- Assets: $121.3M
- Deposits: $108.5M
- Capital ratio: 10.2%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #1 of 349
Are both institutions federally insured?
Yes. Schertz Bank & Trust is FDIC-insured and Commercial State Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Schertz Bank & Trust or Commercial State Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Schertz Bank & Trust scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Schertz Bank & Trust safe?
Yes — Schertz Bank & Trust is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Commercial State Bank safe?
Yes — Commercial State Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Schertz Bank & Trust vs Commercial State Bank?
Schertz Bank & Trust has a capital ratio of 14.5%, placing it in the top 12% of $100M–1B peers. Commercial State Bank's ratio is 10.2%, placing it in the top 49% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Schertz Bank & Trust have compared to Commercial State Bank?
The CFPB database shows 0 complaints against Schertz Bank & Trust, and 0 complaints against Commercial State Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Schertz Bank & Trust with other Banks in Texas
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
