Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
301 N. Washington St
Round Top, TX 78954

Round Top State Bank is headquartered in Round Top and is the 125th largest bank in the state of Texas. It is also the 1,558th largest bank in the nation. It was established in 1912 and as of June of 2014, it had grown to 70 employees at 5 locations. Round Top State Bank has a A+ health rating.

Reviews (1)

New Location

Round Top has a new location in Jarrell (north of Austin).  It is Liberty Bank, and will still operated under that name, but will be part of the Roundtop banking group.


Thank you, DEPOSITACCOUNTS.  I would never have found their 18 month IRA special without your site.  Special is for IRA accounts ONLY.


Round Top does require a branch visit to open an account.  They are small, but very friendly.


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 Round Top State Bank had $6,000 in non-current loans and owned real-estate with $43.43 million in equity and loan loss allowances on hand to cover it. This gives Round Top State Bank a Texas Ratio of 0.01% 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 Round Top State Bank decreased dramatically from 0.07% as of June 30, 2013 to 0.01% as of June 30, 2014, resulting in a positive change of 79.87%.This indicates that the balance sheet and financial strength for Round Top State Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Round Top State Bank has increased its total deposits by $36.42 million, resulting in 10.25% 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 Round Top State 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. Round Top State Bank has $434.2 million in assets with $43.43 million in equity, resulting in a capitalization level of 10.00%, which is above average.

Institution Statistics

FDIC Certificate #19358
Year Established1912
Primary RegulatorFDIC
Assets and Liabilities
Assets$434.20 million
Loans$202.20 million
Deposits$391.61 million
Equity Capital$41.84 million
Loan Loss Allowance$1.59 million
Unbacked Noncurrent Loans$6,000
Real Estate Owned$0
Historic Data - June 2013
Assets$392.51 million
Equity Capital$36.69 million
Loan Loss Allowance$1.18 million
Unbacked Noncurrent Loans$6,000
Real Estate Owned$0
Profit Margin - Quarterly
Return on Assets0.99%
Return on Equity10.66%
Interest Income$7.04 million

Always verify rates and promotions with the bank or credit union. We are not Round Top State Bank, we are a rate comparison website and can not provide official rates or promotions.

Round Top State Bank Savings Account Rates

0.35%$100-Savings Account

Round Top State Bank Money Market Rates

0.45%$100k-Money Market Fund

Round Top State Bank Checking Account Rates

0.10%$1k-Home Folks w/Interest
0.10%$1k-Now Account

Round Top State Bank CD Rates

1.55%$100k-60 Month Jumbo CD
1.50%$1k-60 Month CD
1.37%$100k-48 Month Jumbo CD
1.32%$1k-48 Month CD
1.30%$100k-30 Month Jumbo CD
1.25%$1k-30 Month CD
0.97%$100k-18 Month Jumbo CD
0.92%$100k-12 Month Jumbo CD
0.92%$1k-18 Month CD
0.87%$1k-12 Month CD
0.80%$100k-182 Day Jumbo CD
0.75%$1k-182 Day CD
0.45%$100k-91 Day Jumbo CD
0.40%$1k-91 Day CD

Round Top State Bank IRA Rates

1.30%$100k-18 Month Jumbo IRA
1.25%$100-18 Month IRA

Round Top State Bank Locations
Eagle Bank Branch121 N 5th StreetJarrell, TX 76537
1442 East Austin Street Branch1442 East Austin StreetGiddings, TX 78942
Lagrange Branch2010 W. Highway 71LA Grange, TX 78945
Round Top State Bank301 N. Washington StRound Top, TX 78954
Lexington Texas Branch8681 State Highway 77Lexington, TX 78947