Round Top State Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 1139.84 percentage points lower than in Q1 2026, at 285.23%. Within Texas, Round Top State Bank is 211th of 345 on return on assets, 1.28% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets; Round Top State Bank reported 1.28% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.94% |
| Equity capital to assets | 10.35% |
| Tangible equity to tangible assets | 10.30% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.31% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 2.04% |
| Allowance for credit losses to loans | 0.89% |
| Reserve coverage of non-performing loans | 285.23% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 12.84% |
| Net interest margin | 3.10% |
| Efficiency ratio | 48.54% |
| Yield on earning assets | 4.89% |
| Cost of funds | 2.02% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.90% |
| Core deposits to total deposits | 83.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.35% |
| Securities to assets | 30.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 11.40% | 0.96% | 2.71% | 0.00% | 0.00% |
| Q4 2023 | 11.18% | 0.83% | 2.57% | 0.00% | 0.00% |
| Q1 2024 | 10.77% | 0.75% | 2.41% | 0.01% | 0.01% |
| Q2 2024 | 10.85% | 0.76% | 2.35% | 0.01% | 0.00% |
| Q3 2024 | 11.06% | 0.85% | 2.45% | 0.01% | 0.00% |
| Q4 2024 | 11.50% | 0.96% | 2.63% | 0.01% | 0.00% |
| Q1 2025 | 11.91% | 1.00% | 2.75% | 0.01% | 0.00% |
| Q2 2025 | 11.87% | 1.12% | 2.91% | 0.00% | 0.01% |
| Q3 2025 | 12.03% | 1.24% | 3.02% | 0.00% | 0.00% |
| Q4 2025 | 11.73% | 1.23% | 3.07% | 0.00% | -0.00% |
| Q1 2026 | 11.93% | 1.19% | 3.05% | 0.06% | 0.00% |
| Q2 2026 | 11.94% | 1.28% | 3.10% | 0.31% | -0.00% |
Round Top State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Round Top State Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Round Top State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 19358) · FFIEC NIC profile (RSSD 665865)