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 130^th largest bank in the state of Texas. It is also the 1,392^nd largest bank in the nation. It was established in 1913 and as of December of 2021, it had grown to 64 employees at 6 locations. Schertz Bank & Trust has an A+ health rating.

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Health

A+

Data as of Q4 2021

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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	15.16%
Annual Interest Income	$24.7MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$656.5MM$528.0MM
Loans	Q4 2021vs Q4 2020	$461.6MM$421.7MM
Deposits	Q4 2021vs Q4 2020	$574.1MM$452.6MM
Equity Capital	Q4 2021vs Q4 2020	$65.2MM$58.3MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$5.1MM$4.5MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$228.00K$165.00K
Real Estate Owned	Q4 2021vs Q4 2020	$0$920.00K

Rates

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Savings
Money Market
Checking
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 Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.02%	$100	-	SUPER NOW Checking
0.02%	$100	-	Business SUPER NOW Checking

Schertz Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%	$1k	-	5 Year CD
0.70%	$100k	-	5 Year Jumbo CD
0.70%	$1k	-	Business 5 Year CD
0.70%	$100k	-	Business 5 Year Jumbo CD
0.65%	$1k	-	3 Year CD
0.65%	$1k	-	4 Year CD
0.65%	$100k	-	3 Year Jumbo CD
0.65%	$100k	-	4 Year Jumbo CD
0.65%	$1k	-	Business 3 Year CD
0.65%	$100k	-	Business 3 Year Jumbo CD
0.65%	$1k	-	Business 4 Year CD
0.65%	$100k	-	Business 4 Year Jumbo CD
0.60%	$1k	-	2 Year CD
0.60%	$1k	-	2 1/2 Year CD
0.60%	$100k	-	2 Year Jumbo CD
0.60%	$1k	-	Business 2 Year CD
0.60%	$100k	-	Business 2 Year Jumbo CD
0.60%	$1k	-	Business 2 1/2 Year CD
0.45%	$1k	-	1 Year CD
0.45%	$1k	-	1 1/2 Year CD
0.45%	$100k	-	1 Year Jumbo CD
0.45%	$1k	-	Business 1 Year CD
0.45%	$100k	-	Business 1 Year Jumbo CD
0.45%	$1k	-	Business 1 1/2 Year CD
0.30%	$1k	-	180 Day CD
0.30%	$100k	-	180 Day Jumbo CD
0.30%	$1k	-	Business 180 Day CD
0.30%	$100k	-	Business 180 Day Jumbo CD
0.15%	$1k	-	90 Day CD
0.15%	$100k	-	90 Day Jumbo CD
0.15%	$1k	-	Business 90 Day CD
0.15%	$100k	-	Business 90 Day Jumbo CD

Schertz Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$1k	-	4 Year Fixed Rate IRA
1.00%	$1k	-	5 Year Fixed Rate IRA
1.00%	$100	-	4 Year Variable Rate IRA
1.00%	$100	-	5 Year Variable Rate IRA
0.90%	$1k	-	3 Year Fixed Rate IRA
0.90%	$100	-	3 Year Variable Rate IRA
0.80%	$1k	-	18 Month Fixed Rate IRA
0.80%	$100	-	18 Month Variable Rate IRA
0.70%	$1k	-	12 Month Fixed Rate IRA
0.70%	$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 Street	Schertz, TX 78154
Schertz Bank & Trust New Braunfels B	1174 Loop 337	New Braunfels, TX 78130

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