Round Top State Bank is headquartered in Round Top and is the 124th largest bank in the state of Texas. It is also the 1,588th largest bank in the nation. It was established in 1912 and as of December of 2013, it had grown to 64 employees at 5 locations. Round Top State Bank has a A health rating.
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.
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 Round Top State Bank had $115,000 in non-current loans and owned real-estate with $39.16 million in equity and loan loss allowances on hand to cover it. This gives Round Top State Bank a Texas Ratio of 0.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
The Texas Ratio for Round Top State Bank decreased dramatically from 0.81% as of December 31, 2012 to 0.29% as of December 31, 2013, resulting in a positive change of 63.78%.This indicates that the balance sheet and financial strength for Round Top State Bank has improved dramatically in recent periods.
In the past year, Round Top State Bank has increased its total deposits by $41.19 million, resulting in 12.08% 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 $420.51 million in assets with $39.16 million in equity, resulting in a capitalization level of 9.31%, which is average.
|FDIC Certificate #||19358|
|Assets and Liabilities|
|Equity Capital||$37.82 million|
|Loan Loss Allowance||$1.35 million|
|Unbacked Noncurrent Loans||$115,000|
|Real Estate Owned||$0|
|Historic Data - December 2012|
|Equity Capital||$39.24 million|
|Loan Loss Allowance||$974,000|
|Unbacked Noncurrent Loans||$115,000|
|Real Estate Owned||$140,000|
|Profit Margin - Quarterly|
|Net Interest Margin||2.75%|
|Return on Assets||1.15%|
|Return on Equity||12.1%|
|Interest Income||$13.35 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.
|0.45%||$100k||-||Money Market Fund|
|0.10%||$1k||-||Home Folks w/Interest|
|1.55%||$100k||-||60 Month Jumbo CD|
|1.50%||$1k||-||60 Month CD|
|1.40%||$100k||-||48 Month Jumbo CD|
|1.35%||$1k||-||48 Month CD|
|1.35%||$100k||-||30 Month Jumbo CD|
|1.25%||$1k||-||30 Month CD|
|1.01%||$100k||-||18 Month Jumbo CD|
|0.95%||$100k||-||12 Month Jumbo CD|
|0.95%||$1k||-||18 Month CD|
|0.90%||$1k||-||12 Month CD|
|0.85%||$100k||-||182 Day Jumbo CD|
|0.80%||$1k||-||182 Day CD|
|0.45%||$100k||-||91 Day Jumbo CD|
|0.40%||$1k||-||91 Day CD|
|1.30%||$100k||-||18 Month Jumbo IRA|
|1.25%||$100||-||18 Month IRA|
|Round Top State Bank Locations|
|Eagle Bank Branch||121 N 5th Street||Jarrell, TX 76537|
|1442 East Austin Street Branch||1442 East Austin Street||Giddings, TX 78942|
|Lagrange Branch||2010 W. Highway 71||LA Grange, TX 78945|
|Round Top State Bank||301 N. Washington St||Round Top, TX 78954|
|Lexington Texas Branch||8681 State Highway 77||Lexington, TX 78947|