Side-by-side · Q2 2026 data
Citizens 1st Bank vs Schertz Bank & Trust
Metric by metric
| Measure | Citizens 1st Bank | Schertz Bank & Trust |
|---|---|---|
| TellerScore | 83 | 90 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 82 | 98 (stronger) |
| Earnings | 89 | 100 (stronger) |
| Funding & liquidity | 34 | 42 (stronger) |
| Problem-loan coverage | 96 | 96 |
| Peer percentile | 84th | 95th |
| Total assets | $811.0M | $770.1M |
| Deposits / shares | $615.5M | $651.4M |
| Capital ratio | 20.52% (stronger) | 15.17% |
| Problem loans | 0.53% | 0.05% (stronger) |
| Net charge-offs | 0.26% | -0.02% (stronger) |
| Return on assets | 1.71% | 2.02% (stronger) |
| Loans ÷ deposits | 77.8% (stronger) | 93.2% |
| Uninsured deposits | 58.3% | 38.0% (stronger) |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 9.9% | — |
Schertz Bank & Trust has the higher TellerScore (90 vs 83). On the 7 directional measures above (where higher or lower is clearly better), Citizens 1st Bank leads on 2 and Schertz Bank & Trust on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.