Schertz Bank & Trust

Overview / Commentary

www.schertzbank.com

210-945-7400

519 Main Street
Schertz, TX 78154-2144

Schertz Bank & Trust is headquartered in SCHERTZ and is the 118^th largest bank in the state of Texas. It is also the 1,226^th largest bank in the nation. It was established in 1913 and as of June of 2023, it had grown to 64 employees at 6 locations. Schertz Bank & Trust's CD rates are 4X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q2 2023

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Health Grade Components

Overall
FDIC Certificate #	10344
Year Established	1913
Employees	64
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.56%
Return on Equity - YTD	14.9%
Annual Interest Income	$20.0MM

Assets and Liabilities
Assets	Q2 2023vs Q2 2022	$771.8MM$652.9MM
Loans	Q2 2023vs Q2 2022	$691.6MM$543.8MM
Deposits	Q2 2023vs Q2 2022	$663.9MM$573.3MM
Equity Capital	Q2 2023vs Q2 2022	$79.2MM$67.4MM
Loan Loss Allowance	Q2 2023vs Q2 2022	$7.6MM$5.7MM
Unbacked Noncurrent Loans	Q2 2023vs Q2 2022	$228.00K$228.00K
Real Estate Owned	Q2 2023vs Q2 2022	$0$0

Rates

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Savings
Money Market
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Schertz Bank & Trust Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	$100	-	Savings Account
0.03%	$100	-	Business Savings Account

Schertz Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%^*	$100k^*	-	Money Market Checking
OTHER TIERS: 0.03% → Up to $25k \| 0.05% → $25k - $50k \| 0.07% → $50k - $75k \| 0.10% → $75k - $100k
0.15%^*	$100k^*	-	Business Money Market Checking
OTHER TIERS: 0.03% → Up to $25k \| 0.05% → $25k - $50k \| 0.07% → $50k - $75k \| 0.10% → $75k - $100k

Schertz Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.04%	$1k	-	180 Day CD
4.04%	$100k	-	180 Day Jumbo CD
4.04%	$1k	-	Business 180 Day CD
4.04%	$100k	-	Business 180 Day Jumbo CD
3.80%	$1k	-	1 Year CD
3.80%	$1k	-	1 1/2 Year CD
3.80%	$1k	-	2 Year CD
3.80%	$100k	-	1 Year Jumbo CD
3.80%	$100k	-	2 Year Jumbo CD
3.80%	$1k	-	Business 1 Year CD
3.80%	$100k	-	Business 1 Year Jumbo CD
3.80%	$1k	-	Business 1 1/2 Year CD
3.80%	$1k	-	Business 2 Year CD
3.80%	$100k	-	Business 2 Year Jumbo CD
3.29%	$1k	-	2 1/2 Year CD
3.29%	$1k	-	3 Year CD
3.29%	$100k	-	3 Year Jumbo CD
3.29%	$1k	-	Business 2 1/2 Year CD
3.29%	$1k	-	Business 3 Year CD
3.29%	$100k	-	Business 3 Year Jumbo CD
3.24%	$100k	-	4 Year Jumbo CD
3.24%	$100k	-	5 Year Jumbo CD
3.24%	$100k	-	Business 4 Year Jumbo CD
3.24%	$100k	-	Business 5 Year Jumbo CD
3.14%	$1k	-	4 Year CD
3.14%	$1k	-	5 Year CD
3.14%	$1k	-	Business 4 Year CD
3.14%	$1k	-	Business 5 Year CD
2.01%	$1k	-	90 Day CD
2.01%	$100k	-	90 Day Jumbo CD
2.01%	$1k	-	Business 90 Day CD
2.01%	$100k	-	Business 90 Day Jumbo CD

Schertz Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.76%	$1k	-	5 Year Fixed Rate IRA
1.61%	$1k	-	4 Year Fixed Rate IRA
1.61%	$100	-	5 Year Variable Rate IRA
1.51%	$1k	-	3 Year Fixed Rate IRA
1.51%	$100	-	4 Year Variable Rate IRA
1.46%	$100	-	3 Year Variable Rate IRA
1.36%	$1k	-	18 Month Fixed Rate IRA
1.26%	$1k	-	12 Month Fixed Rate IRA
1.26%	$100	-	18 Month Variable Rate IRA
1.15%	$100	-	12 Month Variable Rate IRA

Locations

Schertz Bank & Trust Locations
Ih 35 Branch	16852 Ih 35 North	Schertz, TX 78154
San Marcos Branch	2202 Hunter Road	San Marcos, TX 78666
Sequin Branch	203 Highway 123 Bypass North	Seguin, TX 78155
Kirby Branch	5020 F.m. 78	Kirby, TX 78233
Schertz Bank & Trust	519 Main St	Schertz, TX 78154
Schertz Bank & Trust New Braunfels B	1174 Loop 337	New Braunfels, TX 78130

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