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Overview / Commentary
512-600-8100
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.

Related Posts

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.



Health

Data for Q4 2013

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 R Bank had $0 in non-current loans and owned real-estate with $23.82 million in equity and loan loss allowances on hand to cover it. This gives R Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth

GRADE:
A+

In the past year, R Bank has increased its total deposits by $94.05 million, resulting in 64.41% 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.

Capitalization

GRADE:
C+

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 $262.28 million in assets with $23.82 million in equity, resulting in a capitalization level of 9.08%, which is average.

Institution Statistics

Overall
FDIC Certificate #58935
Year Established2009
Employees45
Primary RegulatorFDIC
Assets and Liabilities
Assets$262.28 million
Loans$150.52 million
Deposits$240.06 million
Equity Capital$22.04 million
Loan Loss Allowance$1.78 million
Real Estate Owned$0
Historic Data - December 2012
Assets$165.28 million
Equity Capital$19.13 million
Loan Loss Allowance$1.10 million
Unbacked Noncurrent Loans$0
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin3.16%
Return on Assets0.1%
Return on Equity1.05%
Interest Income$7.90 million
Rates
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R Bank Checking Account Rates

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


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