Keystone Bank (TX) is headquartered in AUSTIN and is the 99th largest bank in the state of Texas. It is also the 1,094th largest bank in the nation. It was established in 1997 and as of December of 2024, it had grown to 80 employees at 3 locations. Keystone Bank (TX) has an A+ health rating.
So Far, So Good !
I have had my Keystone Bank account for about 1 year and everything has gone flawlessly. I opened my account online with no problems or issues. I was able to capitalize my account with little delays, and now I easily move money in and out of my account instantly.
With a 6.00& APY and a $50K limit, it's hard to find any fault with Keystone Bank.
Outside Of Austin? Don't Waste Your Time.
This bank showed up as an option for Texas. They are headquartered in Austin and I'm in Dallas. Applied and was rejected because I don't live in Austin or San Angelo. This should be explicitly defined in the qualifications on depositaccounts and on the company's website. It is nowhere to be found on either.
Data as of Q4 2024
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 34456 |
| Year Established | 1997 |
| Employees | 80 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.79% |
| Return on Equity - YTD | 7.92% |
| Annual Interest Income | $57.6MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2024vs Q4 2023 | $939.9MM$850.7MM |
| Loans | Q4 2024vs Q4 2023 | $763.2MM$682.2MM |
| Deposits | Q4 2024vs Q4 2023 | $794.9MM$743.3MM |
| Equity Capital | Q4 2024vs Q4 2023 | $94.6MM$87.3MM |
| Loan Loss Allowance | Q4 2024vs Q4 2023 | $7.1MM$6.3MM |
| Unbacked Noncurrent Loans | Q4 2024vs Q4 2023 | $58K$1.6MM |
| Real Estate Owned | Q4 2024vs Q4 2023 | $0$0 |