Overview / Commentary
Keystone Bank (TX) is headquartered in Ballinger and is the 427th largest bank in the state of Texas. It is also the 5,128th largest bank in the nation. It was established in 1997 and as of September of 2018, it had grown to 14 employees at 1 location. Keystone Bank (TX)'s savings rates are 44% higher than the national average, and it has a C+ health rating.
Health
C+
Data as of Q3 2018
Learn why bank health mattersAdditional 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 low asset base, and a negative return on equity.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 34456 |
| Year Established | 1997 |
| Employees | 14 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -1.53% |
| Return on Equity - YTD | -16.6% |
| Annual Interest Income | $1.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q3 2018vs Q3 2017 | $41.4MM$43.0MM |
| Loans | Q3 2018vs Q3 2017 | $16.4MM$16.9MM |
| Deposits | Q3 2018vs Q3 2017 | $37.4MM$38.5MM |
| Equity Capital | Q3 2018vs Q3 2017 | $3.9MM$4.4MM |
| Loan Loss Allowance | Q3 2018vs Q3 2017 | $281.00K$276.00K |
| Unbacked Noncurrent Loans | Q3 2018vs Q3 2017 | $103.00K$419.00K |
| Real Estate Owned | Q3 2018vs Q3 2017 | $0$33.00K |
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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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75%* | - | $100k | Kasasa Saver | ||
| OTHER TIERS: 0.25% → $100k+ | |||||
Keystone Bank (TX) Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 3.50%* | - | $50k | Kasasa Cash | ||
| OTHER TIERS: 0.25% → $50k+ | |||||
Locations
| Keystone Bank (TX) Locations | ||
|---|---|---|
| Ballinger National Bank | 11500 Bee Cave Rd | Austin, TX 78738 |