Austin County State Bank
Austin County State Bank is the primary bank subsidiary of its parent holding company, headquartered in Bellville, TX, during the Gramm-Leach-Bliley deregulation period. The Q1 2026 balance sheet stands at $511M in assets, including $369M in loans. Profitability is strong — 2.58% ROA, paired with 27.16% ROE and a 4.99% net interest margin. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.61% exceeds the 9% CBLR threshold. Credit metrics are pristine, with nonperforming loans at just 0.06%. It operates 5 branches, primarily in Texas.
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
- Fed District
- 13
- Established
- June 26, 2007
- Branches
- 5 domestic
- Employees (FTE)
- 64
- FDIC Cert
- 58484
- Fed RSSD
- 3463875
- Website
- www.acsbank.com →
- Parent Holding Company
- AUSTIN COUNTY BANCSHARES, INC. (RSSD 4230216)
Capital & Liquidity
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Austin County State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Austin County State Bank
What are Austin County State Bank's total assets?
As of the Q1 2026 filing, Austin County State Bank reported total assets of $510.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Austin County State Bank headquartered?
Austin County State Bank is headquartered in BELLVILLE, TX, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Austin County State Bank founded?
Austin County State Bank was established in 2007, per the FDIC institution directory.
Is Austin County State Bank FDIC-insured?
Yes. Austin County State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Austin County State Bank operate?
Austin County State Bank operates 5 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Austin County State Bank's Texas Ratio?
Austin County State Bank's Texas Ratio is 1.66% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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