Side-by-side · Q2 2026 data
Vantage Bank Texas vs Schertz Bank & Trust
Metric by metric
| Measure | Vantage Bank Texas | Schertz Bank & Trust |
|---|---|---|
| TellerScore | 61 | 90 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 71 | 98 (stronger) |
| Earnings | 86 | 100 (stronger) |
| Funding & liquidity | 35 | 42 (stronger) |
| Problem-loan coverage | 85 | 96 (stronger) |
| Peer percentile | 24th | 95th |
| Total assets | $5.1B | $770.1M |
| Deposits / shares | $4.6B | $651.4M |
| Capital ratio | 9.02% | 15.17% (stronger) |
| Problem loans | 0.87% | 0.05% (stronger) |
| Net charge-offs | 0.31% | -0.02% (stronger) |
| Return on assets | 1.64% | 2.02% (stronger) |
| Loans ÷ deposits | 87.7% (stronger) | 93.2% |
| Uninsured deposits | 48.7% | 38.0% (stronger) |
| Offices | 23 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 10.2% | — |
Schertz Bank & Trust has the higher TellerScore (90 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Vantage Bank Texas 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.