Side-by-side · Q2 2026 data
Schertz Bank & Trust vs Liberty Capital Bank
Metric by metric
| Measure | Schertz Bank & Trust | Liberty Capital Bank |
|---|---|---|
| TellerScore | 90 (stronger) | 73 |
| Capital cushion | 100 (stronger) | 59 |
| Loan quality | 98 | 98 |
| Earnings | 100 (stronger) | 82 |
| Funding & liquidity | 42 (stronger) | 29 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 95th | 53rd |
| Total assets | $770.1M | $767.9M |
| Deposits / shares | $651.4M | $675.9M |
| Capital ratio | 15.17% (stronger) | 10.89% |
| Problem loans | 0.05% (stronger) | 0.07% |
| Net charge-offs | -0.02% (stronger) | 0.00% |
| Return on assets | 2.02% (stronger) | 1.54% |
| Loans ÷ deposits | 93.2% | 91.0% (stronger) |
| Uninsured deposits | 38.0% (stronger) | 51.3% |
| Offices | 6 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.0% |
Schertz Bank & Trust has the higher TellerScore (90 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Schertz Bank & Trust leads on 6 and Liberty Capital Bank on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.