Side-by-side · Q2 2026 data
Schertz Bank & Trust vs First Community Bank
Metric by metric
| Measure | Schertz Bank & Trust | First Community Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 81 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 100 (stronger) | 91 |
| Funding & liquidity | 42 | 78 (stronger) |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 95th | 80th |
| Total assets | $770.1M | $794.4M |
| Deposits / shares | $651.4M | $697.4M |
| Capital ratio | 15.17% (stronger) | 10.36% |
| Problem loans | 0.05% | 0.01% (stronger) |
| Net charge-offs | -0.02% (stronger) | 0.02% |
| Return on assets | 2.02% (stronger) | 1.78% |
| Loans ÷ deposits | 93.2% | 66.1% (stronger) |
| Uninsured deposits | 38.0% | 29.3% (stronger) |
| Offices | 6 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 0.0% |
Schertz Bank & Trust has the higher TellerScore (90 vs 81). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 4 and First Community Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.