Round Top State Bank
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Data as of · sourced from FFIEC call reports. How we update
Round Top State Bank is an FDIC-insured commercial bank headquartered in Round Top, TX, established in 1912 (FDIC certificate 19358), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $974.1M, up 6.5% from Q2 2025, the 94th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.94% 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
- 19358
- Headquarters
- Round Top, TX
- Established
- 1912
- Total assets, Q2 2026
- $974.1M
- Assets vs Q2 2025
- +6.5%
- Tier 1 leverage ratio, Q2 2026
- 11.94%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 113114896
- Holding company
- ROUND TOP BANCSHARES, INC.
- Asset rank in state
- 94th of 346 in Texas
Problem loans are rising at Round Top State Bank. It reported $974 million in assets at June 30, 2026, up 6.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.36% of loans from 0.00% a year earlier. It keeps 3.10 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it spends about 49 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 61 cents).
Net income for the quarter rose 23% from a year earlier, to $3.2 million. Paper losses on its bond portfolio are shrinking: unrealized losses of $24 million equal 20% of Tier 1 capital, down from 26% a year earlier.
As of June 30, 2026, Round Top State Bank reported a return on assets of 1.28%, a nonperforming-loan ratio of 0.36% and a Texas ratio of 2.04%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Round Top State Bank is the 94th largest of the 346 banks headquartered in Texas. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.1% to $974.1M, loans fell 0.4% and deposits fell 0.4%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 37.1% of total loans, ahead of construction and land development loans at 15.2%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in TX; its Round Top office books 23% of its branch deposits. On its Q2 2026 call report, Round Top State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 301 N Washington St, Round Top, TX 78954
- County
- Fayette
- 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
- January 1, 1912
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 82
- Domestic deposits
- $870.3M
- Allowance for credit losses
- $5.3M
- Net charge-offs (YTD)
- $0
- Average total assets
- $999.0M
- Average total loans
- $600.4M
- Average interest-bearing deposits
- $670.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 21, 1965
- FDIC Cert
- 19358
- Fed RSSD
- 665865
- Website
- www.roundtopstatebank.com →
- Parent Holding Company
- ROUND TOP BANCSHARES, INC. (RSSD 2684721)
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, Round Top State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Round Top State Bank's total assets ranged from $850.4M (Q3 2023) to $975.2M (Q1 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
$974.1M total assets against $914.7M; $873.2M total liabilities against $826.5M.
$594.2M net loans and leases against $570.9M; $870.3M total deposits against $823.9M.
$298.4M securities against $237.4M; $57.5M cash and balances due against $81.8M.
$11.9M total interest income against $10.8M; $4.4M total interest expense against $4.4M.
$7.5M net interest income against $6.5M.
$415K total noninterest income against $446K; $3.9M total noninterest expense against $3.7M.
$55K provision for credit losses against $15K.
$3.2M net income against $2.6M.
1.28% return on assets against 1.12%; 3.10% net interest margin against 2.91%.
11.94% tier 1 leverage ratio against 11.87%.
Inside the full Round Top State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeRound Top State Bank rankings
Its closest position to the top of a national ranking is 673 of 3,606, for efficiency ratio; its furthest is 2,246 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.85% (Q3 2024) to 1.28% (Q2 2026) and its net interest margin ran from 2.45% (Q3 2024) to 3.10% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.94% | 1.28% | 0.36% | 2.04% | 3.10% |
| Q1 2026 | 11.93% | 1.19% | 0.06% | 0.36% | 3.05% |
| Q4 2025 | 11.73% | 1.23% | 0.01% | 0.05% | 3.07% |
| Q3 2025 | 12.03% | 1.24% | 0.00% | 0.00% | 3.02% |
| Q2 2025 | 11.87% | 1.12% | 0.00% | 0.00% | 2.91% |
| Q1 2025 | 11.91% | 1.00% | 0.00% | 0.00% | 2.75% |
| Q4 2024 | 11.50% | 0.96% | 0.00% | 0.00% | 2.63% |
| Q3 2024 | 11.06% | 0.85% | 0.00% | 0.00% | 2.45% |
Swipe the table sideways to see every column.
Branch Network
View all 7 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 |
|---|---|---|---|
| Round Top State Bank (main office) | Round Top , TX | 78954 | $196.4M |
| Lagrange Branch | La Grange , TX | 78945 | $169.7M |
| 1442 East Austin Street Branch | Giddings , TX | 78942 | $153.8M |
| Eagle Bank Branch | Jarrell , TX | 76537 | $99.9M |
| Round Rock Branch | Round Rock , TX | 78665 | $90.3M |
| Lexington Texas Branch | Lexington , TX | 78947 | $82.3M |
| Eagle Bank - Taylor Branch | Taylor , TX | 76574 | $77.9M |
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 |
|---|---|---|---|
| August 23, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 23, 2011 | Structure Change | Acquired Eagle 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 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 125 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Round Top State Bank
What are Round Top State Bank's total assets?
As of the Q2 2026 filing, Round Top State Bank reported total assets of $974.1 million in its FFIEC call report.
Where is Round Top State Bank headquartered?
It is headquartered in Round Top, TX, United States.
When was Round Top State Bank founded?
It was established in 1912, per the FDIC institution directory.
Is Round Top State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #19358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Round Top State Bank?
Round Top State Bank's primary federal regulator is the FDIC.
How many branches does Round Top State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Round Top State Bank's Texas Ratio?
Its Texas Ratio is 2.04% 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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