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Overview / Commentary
2394 East University Drive
Auburn, AL 36830

Keystone Bank is headquartered in Auburn and is the 40th largest bank in the state of Alabama. It is also the 2,650th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 44 employees at 3 locations. Keystone Bank has a A health rating.

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Reviews (1)

Keystone Announces Rewards Checking Rate Change Effective 9-19-2011

We continue to enjoy great service at Keystone Bank in Auburn, AL. They typically hold out with their higher rates longer than the competition. Effective 9-19-2011, they just announced a drop in their interest rate to 2.15% and will also be dropping their maximum balance for this rate from $25K to $15K. Qualifying balances over 15K will earn 0.75%, and 0.25% after that. Not a surprise after the Fed's recent announcement and lower debit transaction fees. Still not a bad deal.



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Keystone Bank had $1.89 million in non-current loans and owned real-estate with $27.27 million in equity and loan loss allowances on hand to cover it. This gives Keystone Bank a Texas Ratio of 6.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Keystone Bank decreased dramatically from 10.58% as of March 31, 2013 to 6.93% as of March 31, 2014, resulting in a positive change of 34.47%.This indicates that the balance sheet and financial strength for Keystone Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Keystone Bank has increased its total deposits by $6.03 million, resulting in 2.99% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Keystone Bank has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Keystone Bank has $240.06 million in assets with $27.27 million in equity, resulting in a capitalization level of 11.36%, which is excellent.

Institution Statistics

FDIC Certificate #58382
Year Established2007
Primary RegulatorFDIC
Assets and Liabilities
Assets$240.06 million
Loans$153.05 million
Deposits$207.45 million
Equity Capital$24.88 million
Loan Loss Allowance$2.39 million
Unbacked Noncurrent Loans$1.25 million
Real Estate Owned$641,000
Historic Data - March 2013
Assets$232.98 million
Equity Capital$23.91 million
Loan Loss Allowance$2.39 million
Unbacked Noncurrent Loans$1.25 million
Real Estate Owned$1.28 million
Profit Margin - Quarterly
Return on Assets1.07%
Return on Equity10.42%
Interest Income$2.45 million
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Keystone Bank Savings Account Rates

0.55%-$50kKeystone Saver - Qualifying
0.10%--Keystone Saver - Non Qualifying

Keystone Bank Checking Account Rates

1.65%-$15kKeystone Rewards Checking - Qualifying
0.10%--Keystone Rewards Checking - Non Qualifying

Keystone Bank Locations
Keystone Bank2394 East University DriveAuburn, AL 36830
Gadsden Branch244 South 3rd StreetGadsden, AL 35901