KEYSTONE BANK, SSB

BEE CAVE, TX | Large | RSSD #1429028
Latest Report: 2025-12-31

KEYSTONE BANK, SSB is aln large FDIC-insured commercial bank headquartered in BEE CAVE, TX. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $865M. Profitability stands at -0.09% ROA and -0.94% ROE, with a net interest margin of 3.90%. The bank's CET1 capital ratio is 11.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 0.84%.

Assets

$1.0B

Deposits

$865M

Loans

$815M

Equity

$104M

Profitability

Return on Assets (ROA) -0.09%
Return on Equity (ROE) -0.94%
Net Interest Margin (NIM) 3.90%
Yield on Assets 6.91%
Cost of Funds 3.12%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio 0.60%
Texas Ratio 0.84%
NPA Ratio 0.09%
ACL / Loans 0.96%

Capital & Liquidity

CET1 Ratio 11.97%
Tier 1 Capital 11.97%
Total Capital Ratio 12.96%
Leverage Ratio 9.41%
Loan-to-Deposit 94.22%

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