Side-by-side · Q2 2026 data
Frost Bank vs Schertz Bank & Trust
Metric by metric
| Measure | Frost Bank | Schertz Bank & Trust |
|---|---|---|
| TellerScore | 66 | 90 (stronger) |
| Capital cushion | 41 | 100 (stronger) |
| Loan quality | 82 | 98 (stronger) |
| Earnings | 73 | 100 (stronger) |
| Funding & liquidity | 59 (stronger) | 42 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 58th | 95th |
| Total assets | $54.0B | $770.1M |
| Deposits / shares | $43.7B | $651.4M |
| Capital ratio | 9.08% | 15.17% (stronger) |
| Problem loans | 0.55% | 0.05% (stronger) |
| Net charge-offs | 0.14% | -0.02% (stronger) |
| Return on assets | 1.31% | 2.02% (stronger) |
| Loans ÷ deposits | 52.0% (stronger) | 93.2% |
| Uninsured deposits | 52.2% | 38.0% (stronger) |
| Offices | 211 | 6 |
| CFPB complaints (3 yrs) | 323 | — |
| Complaints per $1B deposits | 7.4 | — |
| Mortgage denial rate (HMDA) | 43.5% | — |
Schertz Bank & Trust has the higher TellerScore (90 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Frost Bank leads on 1 and Schertz Bank & Trust on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.