Call reports 2025
SCHERTZ BANK & TRUST — 2025
What SCHERTZ BANK & TRUST reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 813,581,000 | 787,378,000 | 770,162,000 | 770,199,000 |
| Total loans | 669,374,000 | 636,461,000 | 610,481,000 | 617,864,000 |
| Allowance for loan losses | 9,192,000 | 9,490,000 | 8,553,000 | 8,586,000 |
| Securities available for sale | 35,066,000 | 34,065,000 | 39,641,000 | 36,196,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 712,149,000 | 683,209,000 | 661,252,000 | 658,082,000 |
| Interest-bearing deposits | 602,843,000 | 568,425,000 | 550,096,000 | 543,752,000 |
| Noninterest-bearing deposits | 109,306,000 | 114,784,000 | 111,156,000 | 114,330,000 |
| Equity capital | 95,710,000 | 98,695,000 | 102,402,000 | 106,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 13,329,000 | 26,373,000 | 39,368,000 | 52,368,000 |
| Interest expense | 6,249,000 | 11,906,000 | 17,245,000 | 22,189,000 |
| Net interest income | 7,080,000 | 14,467,000 | 22,123,000 | 30,179,000 |
| Noninterest income | 255,000 | 508,000 | 779,000 | 1,031,000 |
| Noninterest expense | 3,214,000 | 6,693,000 | 10,097,000 | 13,351,000 |
| Provision for loan losses | 450,000 | 900,000 | 650,000 | 875,000 |
| Pretax income | 3,671,000 | 7,382,000 | 11,605,000 | 16,509,000 |
| Income tax | 737,000 | 1,479,000 | 2,327,000 | 3,258,000 |
| Net income | 2,934,000 | 5,903,000 | 9,278,000 | 13,251,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,932,000 | 99,899,000 | 103,283,000 | 107,281,000 |
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