ROUND TOP STATE BANK

ROUND TOP, TX | Medium | Est. Jan. 1, 1912, midnight | FDIC #19358 | RSSD #665865 | FDIC
Latest Report: 2025-12-31

ROUND TOP STATE BANK is amn medium FDIC-insured commercial bank headquartered in ROUND TOP, TX, established in Jan. 1, 1912, midnight. As of 2025-12-31, the bank reported total assets of $943M and total deposits of $844M. Profitability stands at 1.26% ROA and 12.34% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 10.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #19358.

Assets

$943M

Deposits

$844M

Loans

$586M

Equity

$97M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 12.34%
Net Interest Margin (NIM) 3.29%
Yield on Assets 5.35%
Cost of Funds 2.12%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 10.14%
Tier 1 Capital 10.14%
Total Capital Ratio 10.65%
Leverage Ratio 11.73%
Loan-to-Deposit 69.44%

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