AUSTIN COUNTY STATE BANK

BELLVILLE, TX | Small | Est. June 26, 2007, midnight | FDIC #58484 | RSSD #3463875 | FDIC
Latest Report: 2025-12-31

AUSTIN COUNTY STATE BANK is asn small FDIC-insured commercial bank headquartered in BELLVILLE, TX, established in June 26, 2007, midnight. As of 2025-12-31, the bank reported total assets of $478M and total deposits of $426M. Profitability stands at 1.98% ROA and 19.67% ROE, with a net interest margin of 5.53%. The bank's CET1 capital ratio is 9.93%. Asset quality metrics show a non-performing loan ratio of 0.07% and a Texas Ratio of 0.50%. FDIC Certificate #58484.

Assets

$478M

Deposits

$426M

Loans

$366M

Equity

$47M

Profitability

Return on Assets (ROA) 1.98%
Return on Equity (ROE) 19.67%
Net Interest Margin (NIM) 5.53%
Yield on Assets 7.42%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 0.07%
Net Charge-Off Ratio 0.26%
Texas Ratio 0.50%
NPA Ratio 0.06%
ACL / Loans 1.62%

Capital & Liquidity

CET1 Ratio 9.93%
Tier 1 Capital 9.93%
Total Capital Ratio 10.43%
Leverage Ratio 10.18%
Loan-to-Deposit 85.91%

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