Schertz Bank & Trust

Schertz Bank & Trust is headquartered in Schertz and is the 259^th largest bank in the state of Texas. It is also the 3,264^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 61 employees at 5 locations. Schertz Bank & Trust has a 5-star health rating.

Schertz Bank & Trust Routing Number: 114916103

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Data for Q1 2012

Institution Statistics Schertz Bank & Trust FDIC Certificate # 10344 BankRate Report View Year Established 1913 Employees 61 Primary Regulator FDIC Assets and Liabilities Assets $189.14 million Loans $84.10 million Deposits $166.62 million Equity Capital $22.27 million Loan Loss Allowance $549,000 Unbacked Noncurrent Loans $875,000 Real Estate Owned $2.36 million Historic Data - March 2011 Assets $182.07 million Equity Capital $21.30 million Loan Loss Allowance $746,000 Unbacked Noncurrent Loans $2.19 million Real Estate Owned $2.32 million Profit Margin - Quarterly Net Interest Margin 3.97% Return on Assets 0.51% Return on Equity 4.34% Interest Income $1.90 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Schertz Bank & Trust had $3.24 million in non-current loans and owned real-estate with $22.82 million in equity and loan loss allowances on hand to cover it. This gives Schertz Bank & Trust a Texas Ratio of 14.19% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Schertz Bank & Trust decreased slightly from 20.88% as of March 31, 2011 to 14.19% as of March 31, 2012, resulting in a positive change of 32.06%.This indicates that the balance sheet and financial strength for Schertz Bank & Trust has improved slightly in recent periods. Deposit Growth In the past year, Schertz Bank & Trust has increased its total deposits by $6.17 million, resulting in 3.85% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Schertz Bank & Trust has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Schertz Bank & Trust has $189.14 million in assets with $22.82 million in equity, resulting in a capitalization level of 12.07%, which is excellent.

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