Schertz Bank & Trust

Overview / Commentary
519 Main Street
Schertz, TX 78154-2144

Schertz Bank & Trust is headquartered in SCHERTZ and is the 114th largest bank in the state of Texas. It is also the 1,184th largest bank in the nation. It was established in 1913 and as of December of 2023, it had grown to 67 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 Grade Components

FDIC Certificate #10344
Year Established1913
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.45%
Return on Equity - YTD13.99%
Annual Interest Income$43.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$829.9MM$716.8MM
LoansQ4 2023vs Q4 2022$711.1MM$647.5MM
DepositsQ4 2023vs Q4 2022$715MM$613.2MM
Equity CapitalQ4 2023vs Q4 2022$84.1MM$75.6MM
Loan Loss AllowanceQ4 2023vs Q4 2022$8.2MM$7.2MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$230K$228K
Real Estate OwnedQ4 2023vs Q4 2022$70K$0
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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

0.03%$100-Savings Account
0.03%$100-Business Savings Account

Schertz Bank & Trust Money Market Rates

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

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

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

Schertz Bank & Trust Locations
Ih 35 Branch16852 Ih 35 NorthSchertz, TX 78154
San Marcos Branch2202 Hunter RoadSan Marcos, TX 78666
Sequin Branch203 Highway 123 Bypass NorthSeguin, TX 78155
Kirby Branch5020 F.m. 78Kirby, TX 78233
Schertz Bank & Trust519 Main StSchertz, TX 78154
Schertz Bank & Trust New Braunfels B1174 Loop 337New Braunfels, TX 78130

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