AUSTIN CAPITAL BANK SSB

AUSTIN, TX | Small | Est. Jan. 9, 2006, midnight | FDIC #58082 | RSSD #3347911 | FDIC
Latest Report: 2025-12-31

AUSTIN CAPITAL BANK SSB is asn small FDIC-insured commercial bank headquartered in AUSTIN, TX, established in Jan. 9, 2006, midnight. As of 2025-12-31, the bank reported total assets of $469M and total deposits of $373M. Profitability stands at 1.46% ROA and 16.89% ROE, with a net interest margin of 6.89%. The bank's CET1 capital ratio is 36.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.15% and a Texas Ratio of 1.40%. FDIC Certificate #58082.

Assets

$469M

Deposits

$373M

Loans

$409M

Equity

$42M

Profitability

Return on Assets (ROA) 1.46%
Return on Equity (ROE) 16.89%
Net Interest Margin (NIM) 6.89%
Yield on Assets 7.88%
Cost of Funds 1.01%

Asset Quality

NPL Ratio 0.15%
Net Charge-Off Ratio -0.01%
Texas Ratio 1.40%
NPA Ratio 0.13%
ACL / Loans 0.39%

Capital & Liquidity

CET1 Ratio 36.49%
Tier 1 Capital 36.49%
Total Capital Ratio 37.74%
Leverage Ratio 8.62%
Loan-to-Deposit 109.67%

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