GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
100
2010–2025
Total Volume
$66M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
100 total segments
Schertz Bank & Trust has a strong focus on 504 loans, making up 52% of their total SBA deals. This is significantly higher than the national average of around 18%. If you're looking for real estate financing, this lender could be a great fit.
The average deal size at Schertz Bank & Trust is $655,054, with a notable concentration in the $150K-$350K range (28 deals). If your financing needs fall within this range, you may find favorable options here.
Schertz Bank & Trust has seen a significant decline in their lending activity, with a -60% year-over-year drop in deals. This trend may indicate a tighter lending environment, making it potentially more challenging to secure financing.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 52 504 loans, which use fixed SBA debenture rates.
States where SCHERTZ BANK & TRUST has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Other Repair & Services
Other Services
Manufacturing
Manufacturing
Social Assistance
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Personal Care (Salons, Spas)
Other Services
Gas Stations
Retail Trade
+ 7 more
All recorded SBA lending activity for SCHERTZ BANK & TRUST, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.75% | $293K | Q4 2021 |
| Texas · Hotels & Accommodation · $1M – $2M | 504 | 4 | — | $1.3M | Q4 2015 |
| Texas · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $854K | Q1 2016 |
| Texas · Social Assistance · $150K – $350K | 504 | 2 | — | $167K | Q2 2019 |
| Texas · Personal Care (Salons, Spas) · Under $150K | 7(a) | 2 | P+2.75% | $50K | Q1 2012 |
| Texas · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+3.50% | $213K | Q4 2021 |
| Texas · Hotels & Accommodation · $500K – $1M | 504 | 2 | — | $671K | Q3 2017 |
| Texas · Social Assistance · Under $150K | 7(a) | 2 | P+2.38% | $42K | Q2 2016 |
| Texas · Manufacturing · Under $150K | 7(a) | 2 | P+2.25% | $51K | Q3 2015 |
| Texas · Nursing & Residential Care · $1M – $2M | 504 | 2 | — | $1.5M | Q3 2015 |
| Texas · Hotels & Accommodation · $1M – $2M | 7(a) | 2 | P+2.00% | $1.7M | Q3 2013 |
| Texas · Real Estate · $1M – $2M | 504 | 2 | — | $1.5M | Q1 2020 |
| Texas · Specialty Trade Contractors · $350K – $500K | 504 | 1 | — | $440K | Q4 2009 |
| Texas · Arts, Entertainment & Recreation · $350K – $500K | 504 | 1 | — | $477K | Q4 2013 |
| Texas · Social Assistance · $1M – $2M | 504 | 1 | — | $1.4M | Q3 2016 |
| Texas · Hotels & Accommodation · $2M – $5M | 504 | 1 | — | $2.3M | Q4 2015 |
| Texas · Gas Stations · Under $150K | 504 | 1 | — | $93K | Q1 2013 |
| Texas · Management & IT Consulting · $1M – $2M | 504 | 1 | — | $1.1M | Q4 2019 |
| Texas · Physician & Dental Offices · $500K – $1M | 504 | 1 | — | $711K | Q4 2015 |
| Texas · Other Repair & Services · $350K – $500K | 504 | 1 | — | $367K | Q4 2019 |
| Texas · Other Repair & Services · $2M – $5M | 504 | 1 | — | $3.7M | Q2 2025 |
| Texas · Administrative & Waste Services · $500K – $1M | 504 | 1 | — | $674K | Q2 2022 |
| Texas · Other Professional Services · $350K – $500K | 504 | 1 | — | $367K | Q3 2022 |
| Texas · Real Estate · $500K – $1M | 504 | 1 | — | $761K | Q3 2022 |
| Texas · Restaurants & Food Service · $150K – $350K | 504 | 1 | — | $198K | Q4 2009 |
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