Side-by-side · Q2 2026 data
Schertz Bank & Trust vs Jefferson Bank
Metric by metric
| Measure | Schertz Bank & Trust | Jefferson Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 98 (stronger) | 75 |
| Earnings | 100 (stronger) | 64 |
| Funding & liquidity | 42 (stronger) | 39 |
| Problem-loan coverage | 96 (stronger) | 89 |
| Peer percentile | 95th | 24th |
| Total assets | $770.1M | $2.9B |
| Deposits / shares | $651.4M | $2.6B |
| Capital ratio | 15.17% (stronger) | 9.81% |
| Problem loans | 0.05% (stronger) | 0.75% |
| Net charge-offs | -0.02% (stronger) | 0.02% |
| Return on assets | 2.02% (stronger) | 1.09% |
| Loans ÷ deposits | 93.2% | 75.0% (stronger) |
| Uninsured deposits | 38.0% (stronger) | 56.5% |
| Offices | 6 | 13 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 6.9% |
Schertz Bank & Trust has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 6 and Jefferson Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.