Schertz Bank & Trust, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Schertz Bank & Trust is a 100 year old bank that is proud to serve Schertz and the surrounding communities. Schertz Bank & Trust, with 30 stockholders and about $11,800.00, opened for business in June of 1913 as Schertz State Bank.

Schertz Bank & Trust has a variety of financing options for consumers including auto, boat, recreational vehicles, airplane, personal, and home improvement loans. Term, rate, and down payment requirements are determined by the age and condition of the collateral securing the loan. Schertz Bank & Trust offers many different options in commercial lending determined by the specific needs of the customer. Terms and conditions of each loan type will vary.

Schertz Bank & Trust, Main Office
519 Main Street
Schertz, Texas 78154-2144
Phone: (210) 945-7400
Fax: (210) 945-7424

Schertz Bank & Trust, IH 35 Branch
16852 IH 35 N
Schertz, Texas 78154-1224

Schertz Bank & Trust, Seguin Branch
203 Highway 123 Bypass North
Seguin, Texas 78155

Schertz Bank & Trust, San Marcos Branch
1917 Dutton Drive, Suite 205
San Marcos, Texas 78666-5992
Phone: (512) 754-7401
Fax: (512) 754-7405