Round Top State Bank

Round Top State Bank is headquartered in Round Top and is the 138^th largest bank in the state of Texas. It is also the 1,836^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 64 employees at 5 locations. Round Top State Bank's CD rates are 17% higher than the national average, and it boasts a 5-star health rating.

Round Top State Bank Routing Number: 113114896

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Data for Q1 2012

Institution Statistics Round Top State Bank FDIC Certificate # 19358 BankRate Report View Year Established 1912 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $361.34 million Loans $133.21 million Deposits $322.77 million Equity Capital $36.08 million Loan Loss Allowance $971,000 Unbacked Noncurrent Loans $500,000 Real Estate Owned $837,000 Historic Data - March 2011 Assets $320.13 million Equity Capital $30.57 million Loan Loss Allowance $908,000 Unbacked Noncurrent Loans $2,000 Real Estate Owned $950,000 Profit Margin - Quarterly Net Interest Margin 2.99% Return on Assets 1.18% Return on Equity 11.82% Interest Income $3.31 million

Institution Health Overall Score: 5 out of 5 Texas Ratio 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 March 31, 2012 Round Top State Bank had $1.34 million in non-current loans and owned real-estate with $37.05 million in equity and loan loss allowances on hand to cover it. This gives Round Top State Bank a Texas Ratio of 3.61% 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 held steady from 3.02% as of March 31, 2011 to 3.61% as of March 31, 2012, resulting in a negative change of 19.33%. This indicates that the balance sheet and financial strength for Round Top State Bank has held steady in recent periods. Deposit Growth In the past year, Round Top State Bank has increased its total deposits by $35.04 million, resulting in 12.18% 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. Capitalization 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 $361.34 million in assets with $37.05 million in equity, resulting in a capitalization level of 10.25%, which is above average.