Austin County State Bank
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Data as of · sourced from FFIEC call reports. How we update
Austin County State Bank is an FDIC-insured commercial bank headquartered in Bellville, TX, established in 2007 (FDIC certificate 58484), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $543.0M, up 28.3% from Q2 2025, the 154th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.55% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58484
- Headquarters
- Bellville, TX
- Established
- 2007
- Total assets, Q2 2026
- $543.0M
- Assets vs Q2 2025
- +28.3%
- Tier 1 leverage ratio, Q2 2026
- 9.55%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 113125555
- Holding company
- AUSTIN COUNTY BANCSHARES, INC.
- Asset rank in state
- 154th of 346 in Texas
Austin County State Bank earns an unusually wide margin on its lending. Its balance sheet stood at $543 million at June 30, 2026, up 28.3% from a year earlier; it is based in Bellville, Texas. It keeps 5.11 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew its loan book 17.9% over the year, about triple the median of 5.5% for banks its size.
Deposits are coming in faster than loans: over the year loans rose 17.9% and deposits rose 30.2%. Its $85 million commercial and industrial book is improving, with 1.51% past due or on nonaccrual, down from 3.55% a year earlier. Where it has less room is capital: it funds 9.55% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Austin County State Bank reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.37% and a Texas ratio of 2.55%. The figures come from its call report filed with the FFIEC.
Austin County State Bank ranks as the 154th largest of the 346 banks based in Texas, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 6.3% to $543.0M, loans rose 6.2% and deposits rose 6.6%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 29.8% of total loans, followed by commercial and industrial loans at 21.7%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in TX; its Bellville office books 75% of its branch deposits. On its Q2 2026 call report, Austin County State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 436 S Front St, Bellville, TX 77418
- County
- Austin
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 26, 2007
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 67
- Domestic deposits
- $489.7M
- Allowance for credit losses
- $7.0M
- Net charge-offs (YTD)
- -$55K
- Average total assets
- $526.8M
- Average total loans
- $378.3M
- Average interest-bearing deposits
- $360.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 26, 2007
- FDIC Cert
- 58484
- Fed RSSD
- 3463875
- SEC CIK
- 1596865 → filed by AUSTIN COUNTY BANCSHARES, INC.
- Website
- www.acsbank.com →
- Parent Holding Company
- AUSTIN COUNTY BANCSHARES, INC. (RSSD 4230216)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Austin County State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Austin County State Bank's total assets ran between $345.0M (Q4 2023) and $543.0M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$543.0M total assets against $423.1M; $493.8M total liabilities against $380.9M.
$384.4M net loans and leases against $326.3M; $489.7M total deposits against $376.1M.
$98.9M securities against $39.6M; $40.0M cash and balances due against $40.2M.
$8.5M total interest income against $7.0M; $2.0M total interest expense against $1.9M.
$6.5M net interest income against $5.2M.
$461K total noninterest income against $368K; $3.4M total noninterest expense against $2.4M.
$525K provision for credit losses against $352K.
$2.4M net income against $2.7M.
1.85% return on assets against 2.61%; 5.11% net interest margin against 5.13%.
9.55% tier 1 leverage ratio against 10.27%.
Inside the full Austin County State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeAustin County State Bank rankings
Its closest position to the top of a national ranking is 661 of 3,611, for ROA; its furthest is 2,009 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.75% (Q1 2025) to 2.61% (Q2 2025) and its net interest margin ran from 4.95% (Q1 2025) to 5.35% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.55% | 1.85% | 0.37% | 2.55% | 5.11% |
| Q1 2026 | 9.61% | 2.58% | 0.24% | 1.66% | 4.99% |
| Q4 2025 | 10.18% | 1.94% | 0.17% | 1.20% | 5.35% |
| Q3 2025 | 10.62% | 2.24% | 0.41% | 2.80% | 5.18% |
| Q2 2025 | 10.27% | 2.61% | 0.27% | 1.88% | 5.13% |
| Q1 2025 | 10.13% | 1.75% | 0.53% | 3.77% | 4.95% |
| Q4 2024 | 10.72% | 2.13% | 0.48% | 3.27% | 5.07% |
| Q3 2024 | 10.51% | 2.28% | 0.23% | 1.63% | 5.11% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 County State Bank (main office) | Bellville , TX | 77418 | $368.6M |
| Godley Branch | Godley , TX | 76044 | $61.4M |
| Meyer Street Branch | Sealy , TX | 77474 | $45.0M |
| Industry Branch | Industry , TX | 78944 | $14.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 193 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $125K approved, $125K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (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 County State Bank
What are Austin County State Bank's total assets?
As of the Q2 2026 filing, Austin County State Bank reported total assets of $543.0 million in its FFIEC call report.
Where is Austin County State Bank headquartered?
It is headquartered in Bellville, TX, United States.
When was Austin County State Bank founded?
It was established in 2007, per the FDIC institution directory.
Is Austin County State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Austin County State Bank?
Austin County State Bank's primary federal regulator is the FDIC.
How many branches does Austin County State Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Austin County State Bank's Texas Ratio?
Its Texas Ratio is 2.55% 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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