Advertisement
Round Top State Bank
Round Top, TX · FDIC Certificate #19358 · Chartered 01/0
Total assets
$974.06M
Total deposits
$870.29M
Total equity
$100.83M
Net loans
$594.25M
Branches (offices)
7
Net income (YTD)
$6.09M
Rank: #1,071 of 4,213 U.S. banks by assets · #94 of 346 in Texas. Assets changed 6.5% and deposits 5.6% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.26% |
| Return on equity | 12.37% |
| Net interest margin (YTD) | 3.12% |
| Equity to assets | 10.35% |
| Tier 1 leverage ratio | 11.94% |
| Uninsured deposits (share of deposits) | 19.6% |
| Noncurrent loans (share of loans) | 0.36% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 68.3% |
| Real estate loans (share of loans) | 91.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $540.88M | 91.0% | |
| Commercial & industrial | $22.42M | 3.8% | |
| Consumer / individual | $17.26M | 2.9% | |
| Construction & development | $91.00M | 15.3% | |
| Agricultural | $11.87M | 2.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $844.74M | $780.33M | $5.13M | $63.43M |
| Jun 2023 | $849.76M | $779.92M | $4.58M | $68.32M |
| Jun 2024 | $935.74M | $793.51M | $3.60M | $78.34M |
| Jun 2025 | $914.73M | $823.93M | $4.86M | $88.20M |
| Jun 2026 | $974.06M | $870.29M | $6.09M | $100.83M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $870.29M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $870.29M.
Similar-sized banks
Dundee Bank ($975.65M) · Transpecos Banks, SSB ($972.07M)
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.
Advertisement