Schertz Bank & Trust

Overview / Commentary

www.schertzbank.com

210-945-7400

519 Main Street
Schertz, TX 78154

Schertz Bank & Trust is headquartered in Schertz and is the 157^th largest bank in the state of Texas. It is also the 1,744^th largest bank in the nation. It was established in 1913 and as of March of 2019, it had grown to 62 employees at 5 locations. Schertz Bank & Trust's CD rates are 94% higher than the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	10344
Year Established	1913
Employees	62
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.28%
Return on Equity - YTD	10.48%
Annual Interest Income	$4.7MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$407.3MM$382.8MM
Loans	Q1 2019vs Q1 2018	$307.9MM$306.4MM
Deposits	Q1 2019vs Q1 2018	$354.9MM$336.3MM
Equity Capital	Q1 2019vs Q1 2018	$50.5MM$45.2MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$3.5MM$2.9MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$0$0
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

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

Schertz Bank & Trust Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

Schertz Bank & Trust Checking Account Rates

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

Schertz Bank & Trust CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.55%	$100k	-	5 Year Jumbo CD
2.52%	$1k	-	5 Year CD
2.45%	$100k	-	4 Year Jumbo CD
2.42%	$1k	-	4 Year CD
2.35%	$100k	-	3 Year Jumbo CD
2.32%	$1k	-	3 Year CD
2.27%	$1k	-	2 1/2 Year CD
2.25%	$100k	-	2 Year Jumbo CD
2.22%	$1k	-	2 Year CD
1.76%	$1k	-	1 1/2 Year CD
1.75%	$100k	-	1 Year Jumbo CD
1.71%	$1k	-	1 Year CD
1.05%	$100k	-	180 Day Jumbo CD
1.00%	$1k	-	180 Day CD
0.55%	$100k	-	90 Day Jumbo CD
0.50%	$1k	-	90 Day CD

Schertz Bank & Trust IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.26%	$1k	-	5 Year Fixed Rate IRA
1.20%	$100	-	5 Year Variable Rate IRA
1.10%	$1k	-	4 Year Fixed Rate IRA
1.05%	$100	-	4 Year Variable Rate IRA
1.00%	$1k	-	3 Year Fixed Rate IRA
0.95%	$100	-	3 Year Variable Rate IRA
0.90%	$1k	-	18 Month Fixed Rate IRA
0.85%	$100	-	18 Month Variable Rate IRA
0.80%	$1k	-	12 Month Fixed Rate IRA
0.75%	$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

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