R Bank
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Data as of · sourced from FFIEC call reports. How we update
R Bank is an FDIC-insured commercial bank headquartered in Round Rock, TX, established in 2009 (FDIC certificate 58935), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.03B, up 3.3% from Q2 2025, the 89th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.04% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58935
- Headquarters
- Round Rock, TX
- Established
- 2009
- Total assets, Q2 2026
- $1.03B
- Assets vs Q2 2025
- +3.3%
- CET1 ratio, Q2 2026
- 12.04%
- Domestic offices
- 9 FDIC institution directory, current count
- Routing number
- 114926012
- Holding company
- R CORP FINANCIAL
- Asset rank in state
- 89th of 346 in Texas
R Bank, based in Round Rock, Texas, reported $1.0 billion in assets at June 30, 2026, up 3.3% from a year earlier. It carries problem assets equal to 12.9% of the capital and reserves that would absorb them, 3.6 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also shrank its loan book 3.6% over the year, lower than about 9 in 10 banks its size (median 5.9%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 1.55% of loans, down from 2.07% a year earlier. Loans and deposits moved in opposite directions: over the year loans fell 3.6% and deposits rose 3.9%. Where it has less room is capital: it funds 9.01% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.52%).
As of June 30, 2026, R Bank reported a CET1 capital ratio of 12.04%, a return on assets of 0.83%, a nonperforming-loan ratio of 1.55% and a Texas ratio of 12.94%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, R Bank is the 89th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 1.3% to $1.03B, loans rose 1.1% and deposits fell 0.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 22.1% of total loans, ahead of owner-occupied commercial real estate loans at 21.2%. The FDIC Summary of Deposits lists 9 offices for it, in 8 cities in TX; its Round Rock 2 offices book 35% of its branch deposits. Judged on its Q2 2026 call report, R Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 3600 E Palm Valley Blvd, Round Rock, TX 78665
- County
- Williamson
- Metro Area
- Austin-Round Rock-San Marcos, 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 041
- Established
- June 22, 2009
- Domestic offices
- 9 FDIC institution directory, current count
- Employees (FTE)
- 115
- Domestic deposits
- $926.1M
- Allowance for credit losses
- $8.4M
- Net charge-offs (YTD)
- $136K
- Average total assets
- $1.03B
- Average total loans
- $759.1M
- Average interest-bearing deposits
- $714.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 22, 2009
- FDIC Cert
- 58935
- Fed RSSD
- 3821037
- SEC CIK
- 1602329 → filed by R CORP FINANCIAL
- Website
- www.r.bank →
- Parent Holding Company
- R CORP FINANCIAL (RSSD 4478027)
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
R Bank's total assets moved between a low of $958.5M (Q4 2024) and a high of $1.06B (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.03B total assets against $999.4M; $939.4M total liabilities against $906.3M.
$762.1M net loans and leases against $790.6M; $926.1M total deposits against $891.8M.
$57.4M securities against $68.0M; $172.2M cash and balances due against $100.6M.
$14.7M total interest income against $14.1M; $4.6M total interest expense against $5.4M.
$10.1M net interest income against $8.7M.
$622K total noninterest income against $2.0M; $7.9M total noninterest expense against $7.8M.
$150K provision for credit losses against $0.
$2.1M net income against $2.3M.
0.83% return on assets against 0.91%; 4.05% net interest margin against 3.62%.
12.04% CET1 capital ratio against 11.87%; 9.01% tier 1 leverage ratio against 9.41%.
Inside the full R Bank 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
R Bank rankings
Its closest position to the top of a national ranking is 418 of 3,640, for Texas Ratio; its furthest is 2,955 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.20% (Q4 2024) to 0.91% (Q2 2025) and its net interest margin ran from 3.31% (Q3 2024) to 4.05% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.04% | 0.83% | 1.55% | 12.94% | 4.05% |
| Q1 2026 | 13.01% | 0.63% | 1.58% | 12.14% | 3.91% |
| Q4 2025 | 12.27% | 0.64% | 2.01% | 17.13% | 3.67% |
| Q3 2025 | 12.45% | 0.59% | 2.04% | 17.14% | 3.72% |
| Q2 2025 | 11.87% | 0.91% | 2.07% | 18.38% | 3.62% |
| Q1 2025 | 11.92% | 0.52% | 2.10% | 17.47% | 3.49% |
| Q4 2024 | 11.56% | -0.20% | 2.05% | 17.80% | 3.50% |
| Q3 2024 | 11.41% | 0.18% | 1.92% | 16.37% | 3.31% |
Swipe the table sideways to see every column.
Branch Network
View all 9 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 |
|---|---|---|---|
| R Bank (main office) | Round Rock , TX | 78665 | $201.5M |
| Westlake Branch | Rollingwood , TX | 78746 | $172.2M |
| Georgetown Branch | Georgetown , TX | 78628 | $133.4M |
| Round Rock Banking Center | Round Rock , TX | 78681 | $118.5M |
| Bertram Branch | Bertram , TX | 78605 | $116.8M |
| Edna Banking Center | Edna , TX | 77957 | $55.6M |
| 50 W. Fm 487 Jarrell Branch | Jarrell , TX | 76537 | $53.7M |
| R Bank Branch | Cedar Park , TX | 78613 | $51.3M |
| University Ftw Branch | Fort Worth , TX | 76107 | $23.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2015 | Structure Change | Acquired Schwertner State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2013 | Structure Change | Acquired Farmers State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 119 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 71 applications, 36 loans originated, $31.0M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $3.0M approved, $3.0M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- 53 complaints in the last 4 full quarters. Raw counts, not adjusted for size
- Period: 2025-Q4 to 2026-Q3. Source: CFPB consumer complaint database.
- Not on file
- Enforcement actions, 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 R Bank
What are R Bank's total assets?
As of the Q2 2026 filing, R Bank reported total assets of $1.03 billion in its FFIEC call report.
Where is R Bank headquartered?
It is headquartered in Round Rock, TX, United States.
When was R Bank founded?
It was established in 2009, per the FDIC institution directory.
Is R Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58935). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates R Bank?
R Bank's primary federal regulator is the FDIC.
What is R Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.04% in its Q2 2026 call report, above regulatory requirements.
How many branches does R Bank operate?
It operates 9 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is R Bank's Texas Ratio?
Its Texas Ratio is 12.94% 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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