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1900 Round Rock Avenue
Round Rock, TX 78681

R Bank is a small bank with offices in Round Rock and Austin, Texas. The bank requires new customers to come into the branch to open accounts.

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Updated Review of the R Bank Reward Checking in the Austin Metro Area - 11/12/2013

I first reported on R Bank and its R Best Checking account about four years ago. Like all reward checking accounts, the rates and balance cap have fallen. However, it remains very competitive and a go ...

Reviews (1)

R Bank Rewards Checking 3.25% But Not In Rate List?

Ken, Why doesn't R Bank show up in the list of Rewards Checking Accounts in Texas with high interest rates? After finding your Nov 2013 review of R Bank Rewards Checking, I opened a Rewards Checking Account at rbanktexas , and have been very satisfied. Pays 3.25% on the first 15k, and then 1.01% on the balance above 15k. I had to open in person, so easy for people in Central Texas, but not elsewhere.


Data for Q2 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 June 30, 2014 R Bank had $2.05 million in non-current loans and owned real-estate with $33.42 million in equity and loan loss allowances on hand to cover it. This gives R Bank a Texas Ratio of 6.14% 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 R Bank experienced no significant changes from 4.08% as of June 30, 2013 to 6.14% as of June 30, 2014, resulting in a negative change of 50.49%. This indicates that the balance sheet and financial strength for R Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, R Bank has increased its total deposits by $89.7 million, resulting in 53.97% 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 R Bank has shown is excellent.



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. R Bank has $297.35 million in assets with $33.42 million in equity, resulting in a capitalization level of 11.24%, which is excellent.

Institution Statistics

FDIC Certificate #58935
Year Established2009
Primary RegulatorFDIC
Assets and Liabilities
Assets$297.35 million
Loans$197.57 million
Deposits$255.88 million
Equity Capital$31.12 million
Loan Loss Allowance$2.30 million
Unbacked Noncurrent Loans$2.05 million
Real Estate Owned$0
Historic Data - June 2013
Assets$184.24 million
Equity Capital$17.91 million
Loan Loss Allowance$1.49 million
Unbacked Noncurrent Loans$2.05 million
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.5%
Return on Equity5.05%
Interest Income$5.56 million
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R Bank Checking Account Rates

3.25%-$15kR Best Checking - Qualifying
0.10%--R Best Checking - Non Qualifying

R Bank Locations
R Bank1900 Round Rock AvenueRound Rock, TX 78681
Georgetown Branch2415 Williams Dr.Georgetown, TX 78628
Westlake Branch3103 Bee Caves Rd., Sutie 110Rollingwood, TX 78746