Austin Capital Bank SSB
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Data as of · sourced from FFIEC call reports. How we update
Austin Capital Bank SSB is an FDIC-insured savings bank headquartered in Austin, TX, established in 2006 (FDIC certificate 58082), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $395.4M, down 21.5% from Q2 2025, the 180th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 39.04% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58082
- Headquarters
- Austin, TX
- Established
- 2006
- Total assets, Q2 2026
- $395.4M
- Assets vs Q2 2025
- -21.5%
- CET1 ratio, Q2 2026
- 39.04%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 114994031
- Latest call report
- Q2 2026, FFIEC 051 · Austin Capital Bank SSB call report
- Holding company
- GREENBACK FINCORP, INC.
- Asset rank in state
- 180th of 346 in Texas
Austin Capital Bank SSB spends more to run itself than most banks of its size. It reported $395 million in assets at June 30, 2026, down 21.5% from a year earlier. It spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it keeps 6.73 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.95 cents).
The balance sheet shrank over the year: over the year loans fell 22.5% and deposits fell 28.4%. Problem loans have nearly doubled in a year: loans on nonaccrual or 90 or more days past due, net of government guarantees are 0.30% of loans, against 0.11% a year earlier.
As of June 30, 2026, Austin Capital Bank SSB reported a CET1 capital ratio of 39.04%, a return on assets of 1.15%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 2.86%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, Austin Capital Bank SSB is the 180th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 6.4% to $395.4M, loans fell 10.2% and deposits fell 8.3%. Its loan book on June 30, 2026 was led by other consumer loans, at 52.4% of total loans, followed by 1-4 family residential loans at 42.7%. Its one office in the FDIC Summary of Deposits is in Austin, TX. Judged on its Q2 2026 call report, Austin Capital Bank SSB meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3305 Steck Ave Ste 275, Austin, TX 78757
- County
- Travis
- Metro Area
- Austin-Round Rock-San Marcos, TX
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 9, 2006
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $308.4M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- -$12K
- Average total assets
- $411.5M
- Average total loans
- $361.8M
- Average interest-bearing deposits
- $305.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 9, 2006
- FDIC Cert
- 58082
- Fed RSSD
- 3347911
- SEC CIK
- 1917679 → filed by GREENBACK FINCORP, INC.
- Website
- www.austincapitalbank.com →
- Parent Holding Company
- GREENBACK FINCORP, INC. (RSSD 5529654)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Austin Capital Bank SSB's total assets moved between a low of $279.2M (Q3 2023) and a high of $503.8M (Q2 2025) from Q3 2023 to Q2 2026, and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$395.4M total assets against $503.8M; $352.2M total liabilities against $465.0M.
$339.6M net loans and leases against $438.8M; $308.4M total deposits against $430.9M.
$6.2M securities against $7.2M; $26.5M cash and balances due against $35.8M.
$7.5M total interest income against $9.2M; $888K total interest expense against $1.5M.
$6.6M net interest income against $7.7M.
$2.3M total noninterest income against $1.5M; $7.5M total noninterest expense against $7.9M.
$0 provision for credit losses against $0.
$1.2M net income against $1.3M.
1.15% return on assets against 1.08%; 6.73% net interest margin against 6.67%.
39.04% CET1 capital ratio against 32.61%; 10.22% tier 1 leverage ratio against 7.76%.
Inside the full Austin Capital Bank SSB terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Austin Capital Bank SSB rankings
Its closest position to the top of a national ranking is 27 of 2,134, for CET1 ratio; its furthest is 3,363 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.43% (Q3 2024) to 1.48% (Q4 2025) and its net interest margin ran from 6.47% (Q4 2024) to 7.06% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 39.04% | 1.15% | 0.30% | 2.86% | 6.73% |
| Q1 2026 | 38.37% | 0.76% | 0.08% | 0.70% | 6.75% |
| Q4 2025 | 36.49% | 1.48% | 0.15% | 1.44% | 6.71% |
| Q3 2025 | 36.55% | 1.05% | 0.19% | 1.89% | 6.69% |
| Q2 2025 | 32.61% | 1.08% | 0.11% | 1.17% | 6.67% |
| Q1 2025 | 31.41% | 0.51% | 0.60% | 6.12% | 6.59% |
| Q4 2024 | 31.95% | 0.87% | 0.13% | 1.36% | 6.47% |
| Q3 2024 | 37.47% | 0.43% | 0.10% | 0.92% | 7.06% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Austin Capital Bank SSB (main office) | Austin , TX | 78757 | $308.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 235 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.1M approved, $1.1M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Austin Capital Bank SSB
What are Austin Capital Bank SSB's total assets?
As of the Q2 2026 filing, Austin Capital Bank SSB reported total assets of $395.4 million in its FFIEC call report.
Where is Austin Capital Bank SSB headquartered?
It is headquartered in Austin, TX, United States.
When was Austin Capital Bank SSB founded?
It was established in 2006, per the FDIC institution directory.
Is Austin Capital Bank SSB FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #58082). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Austin Capital Bank SSB?
Austin Capital Bank SSB's primary federal regulator is the FDIC.
What is Austin Capital Bank SSB's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 39.04% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Austin Capital Bank SSB operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Austin Capital Bank SSB's Texas Ratio?
Its Texas Ratio is 2.86% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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