Keystone Bank (TX)

Overview / Commentary
11500 Bee Cave Rd Suite 150
Austin, TX 78738

Keystone Bank (TX) is headquartered in Austin and is the 359th largest bank in the state of Texas. It is also the 4,352nd largest bank in the nation. It was established in 1997 and as of March of 2019, it had grown to 25 employees at 1 location. Keystone Bank (TX) has an A health rating.

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Keystone Bank (TX) Kasasa Cash Earns 3.50% APY Up To $50k - 5/18/2019

Keystone Bank's (TX) Kasasa Cash earns 3.50% APY on qualifying balances up to $50k. Keystone's Kasasa Saver earns 2.00% APY on qualifying balances up to $100k.

Reviews (1)

A New Bank In Bee Caves, TX

Posted by: csmith77 | Apr 12, 2019

I recently opened a Kasasa Checking account at Keystone Bank. What was interesting was in the lobby are the workbenches of the Customer Service Reps along with the traditional teller windows. The customer service was helpful and friendly setting up the account. All I needed was the two forms of ID and $25 to open the account. The debit card was printed at the bank so there is no waiting. One quirk of the debit transactions is that they must be greater than $3.49 to count towards meeting your minimum number of 12 to qualify for the Kasasa rate. The first order of checks was free. They also have a Kasasa Cash Back account but it only pays 2% on $400 or $8 for the same 12 debit transactions.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Keystone Bank (TX) has a relatively low asset base.

Health Grade Components

FDIC Certificate #34456
Year Established1997
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD-1.34%
Return on Equity - YTD-3.85%
Annual Interest Income$644.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$84.0MM$42.4MM
LoansQ1 2019vs Q1 2018$27.3MM$16.1MM
DepositsQ1 2019vs Q1 2018$55.7MM$38.5MM
Equity CapitalQ1 2019vs Q1 2018$28.3MM$3.9MM
Loan Loss AllowanceQ1 2019vs Q1 2018$125.00K$278.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$81.00K$324.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Keystone Bank (TX) Savings Account Rates

2.00%*-$100kKasasa Saver
OTHER TIERS: 0.25% $100k+

Keystone Bank (TX) Checking Account Rates

3.50%*-$50kKasasa Cash
OTHER TIERS: 0.25% $50k+

Keystone Bank (TX) Locations
Ballinger National Bank11500 Bee Cave RdAustin, TX 78738
Hartland Plaza Branch1717 West Sixth Street, Suite 110Austin, TX 78703

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