The First State Bank vs Schertz Bank & Trust
Comparing a Bank in Abernathy, TX with a Bank in Schertz, TX using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The First State Bank ↗ Bank · Abernathy, TX · Est. 1909 | Schertz Bank & Trust ↗ Bank · Schertz, TX · Est. 1913 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Abernathy, TX | Schertz, TX |
| Total assets | $123.8M | $761.9M |
| Capital ratio | 13.0% | 14.5% |
| Return on assets | 1.3% | 2.0% |
| Deposits | $97.2M | $646.0M |
| Branches | 3 | 6 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #4 of 349 | #2 of 349 |
| Established | 1909 | 1913 |
The First State Bank
- Assets: $123.8M
- Deposits: $97.2M
- Capital ratio: 13.0%
- Return on assets: 1.3%
- CFPB complaints: 0
- State rank: #4 of 349
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
Are both institutions federally insured?
Yes. The First State Bank is FDIC-insured and Schertz Bank & Trust 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, The First State Bank or Schertz Bank & Trust?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The First State Bank 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 The First State Bank safe?
Yes — The First State Bank 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 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. Its Trust Grade is A (98/100).
What is the capital ratio of The First State Bank vs Schertz Bank & Trust?
The First State Bank has a capital ratio of 13.0%, placing it in the top 20% of $100M–1B peers. Schertz Bank & Trust's ratio is 14.5%, placing it in the top 12% of $100M–1B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The First State Bank have compared to Schertz Bank & Trust?
The CFPB database shows 0 complaints against The First State Bank, and 0 complaints against Schertz Bank & Trust. 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 The First State Bank 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.
