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Austin Capital Bank SSB
Austin, TX · FDIC Certificate #58082 · Chartered 01/0
Total assets
$395.45M
Total deposits
$308.40M
Total equity
$43.26M
Net loans
$339.61M
Branches (offices)
1
Net income (YTD)
$2.03M
Rank: #2,077 of 4,213 U.S. banks by assets · #180 of 346 in Texas. Assets changed -21.5% and deposits -28.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.95% |
| Return on equity | 9.55% |
| Net interest margin (YTD) | 6.79% |
| Equity to assets | 10.94% |
| Tier 1 leverage ratio | 10.22% |
| Uninsured deposits (share of deposits) | 13.0% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 110.1% |
| Real estate loans (share of loans) | 43.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $146.19M | 43.0% | |
| Commercial & industrial | $13.35M | 3.9% | |
| Consumer / individual | $179.00M | 52.7% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $399.37M | $365.65M | $1.48M | $29.40M |
| Jun 2023 | $286.73M | $242.43M | $83.00K | $31.11M |
| Jun 2024 | $368.38M | $311.07M | -$1.08M | $33.51M |
| Jun 2025 | $503.77M | $430.91M | $1.86M | $38.77M |
| Jun 2026 | $395.45M | $308.40M | $2.03M | $43.26M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $308.40M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $308.40M.
Similar-sized banks
Peoples State Bank Of Hallettsville ($395.64M) · Peoples Trust Company Of St. Albans ($395.44M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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