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

Keystone Bank (TX) is headquartered in Austin and is the 376th largest bank in the state of Texas. It is also the 4,524th largest bank in the nation. It was established in 1997 and as of December of 2018, it had grown to 22 employees at 1 location. Keystone Bank (TX) has an A health rating.

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-0.45%
Return on Equity - YTD-2.58%
Annual Interest Income$468.00K
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$75.3MM$42.2MM
LoansQ4 2018vs Q4 2017$16.3MM$15.9MM
DepositsQ4 2018vs Q4 2017$48.0MM$37.8MM
Equity CapitalQ4 2018vs Q4 2017$27.3MM$4.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$19.00K$277.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$85.00K$393.00K
Real Estate OwnedQ4 2018vs Q4 2017$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

0.75%*-$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

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