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Overview / Commentary
301 N. Washington St
Round Top, TX 78954

Round Top State Bank is headquartered in Round Top and is the 120th largest bank in the state of Texas. It is also the 1,428th largest bank in the nation. It was established in 1912 and as of June of 2016, it had grown to 72 employees at 6 locations. Round Top State Bank's CD rates are 12% higher than the national average, and it boasts an A+ health rating.

Reviews (2)

New Location

Posted by: Anon456 | Oct 30, 2011

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.

Poor Service

Twice they have "lost" me as a bill-pay customer, once for more than a week. I was unable to pay a monthly payment on time, and the bank took no responsibility or corrective action for the issues that it caused - they would not even make an phone call to my vendor. I would not recommend Round Top State Bank if you're looking for customer service.


Health Grade Components

FDIC Certificate #19358
Year Established1912
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD10.44%
Annual Interest Income$8.6MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$489.4MM$464.5MM
LoansQ2 2016vs Q2 2015$292.9MM$239.7MM
DepositsQ2 2016vs Q2 2015$437.2MM$414.9MM
Equity CapitalQ2 2016vs Q2 2015$51.3MM$45.8MM
Loan Loss AllowanceQ2 2016vs Q2 2015$2.3MM$1.9MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$1,000$16.00K
Real Estate OwnedQ2 2016vs Q2 2015$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.

Round Top State Bank Savings Account Rates

0.35%$100-Savings Account

Round Top State Bank Money Market Rates

0.45%*$100k*-Money Market Fund
OTHER TIERS: 0.20% $2,500 - $25k | 0.25% $25k - $50k | 0.35% $50k - $100k

Round Top State Bank Checking Account Rates

0.10%$1k-Home Folks w/Interest
0.10%$1k-Now Account

Round Top State Bank CD Rates

1.55%$100k-60 Month Jumbo CD
1.50%$1k-60 Month CD
1.37%$100k-48 Month Jumbo CD
1.32%$1k-48 Month CD
1.30%$100k-30 Month Jumbo CD
1.25%$1k-30 Month CD
1.10%$100k-18 Month Jumbo CD
1.01%$100k-12 Month Jumbo CD
1.01%$1k-18 Month CD
0.87%$1k-12 Month CD
0.80%$100k-182 Day Jumbo CD
0.75%$1k-182 Day CD
0.45%$100k-91 Day Jumbo CD
0.40%$1k-91 Day CD

Round Top State Bank IRA Rates

1.30%$100k-18 Month Jumbo IRA
1.25%$100-18 Month IRA

Round Top State Bank Locations
Eagle Bank Branch121 N 5th StreetJarrell, TX 76537
1442 East Austin Street Branch1442 East Austin StreetGiddings, TX 78942
Lagrange Branch2010 W. Highway 71LA Grange, TX 78945
Round Top State Bank301 N. Washington StRound Top, TX 78954
Lexington Texas Branch8681 State Highway 77Lexington, TX 78947
Round Rock Branch2250 North Aw Grimes BlvdRound Rock, TX 78664