| Metric | Schertz Bank & Trust | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -2.2% | +4.9% | -7.1 pts |
| Deposit growth (YoY) | -4.7% | +4.3% | -9.0 pts |
| Loan growth (YoY) | -3.2% | +5.3% | -8.5 pts |
| ROA | 2.02% | 1.28% | +0.7 pts |
| ROE | 14.0% | 12.4% | +1.6 pts |
ROA ranks in the 87th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $770.1M | $651.4M | $607.0M | $113.9M | $7.7M | 2.02% | 4.44% | 0.34% |
| Q1 2026 | $761.9M | $646.0M | $612.6M | $110.2M | $3.9M | 2.05% | 4.42% | 0.12% |
| Q4 2025 | $770.2M | $658.1M | $609.3M | $106.5M | $13.3M | 1.65% | 3.91% | 0.15% |
| Q3 2025 | $770.2M | $661.3M | $601.9M | $102.4M | $9.3M | 1.52% | 3.78% | 0.17% |
| Q2 2025 | $787.4M | $683.2M | $627.0M | $98.7M | $5.9M | 1.43% | 3.64% | 0.25% |
| Q1 2025 | $813.6M | $712.1M | $660.2M | $95.7M | $2.9M | 1.39% | 3.48% | 0.25% |
| Q4 2024 | $880.8M | $767.9M | $678.6M | $92.4M | $10.1M | 1.16% | 3.05% | 0.24% |
| Q3 2024 | $896.8M | $783.8M | $683.8M | $90.9M | $8.0M | 1.22% | 2.96% | 0.14% |
Loan mix (Q2 2026): real estate $565.1M · commercial $37.1M · consumer $764K · securities $36.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Schertz Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.02% | 1.28% | 87th | |
Return on equity Annualized net income ÷ equity or net worth | 14.0% | 12.4% | 60th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 41.7% | 61.2% | 7th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Schertz Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Schertz Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Schertz Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Schertz Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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