Round Top State Bank

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

Round Top State Bank is headquartered in ROUND TOP and is the 105th largest bank in the state of Texas. It is also the 1,131st largest bank in the nation. It was established in 1912 and as of December of 2023, it had grown to 80 employees at 7 locations. Round Top State Bank's CD rates are 4X the national average, and it has a B+ health rating.

Reviews (2)

New Location

Posted by: |

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 - YTD0.99%
Return on Equity - YTD12.4%
Annual Interest Income$34.8MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$879.6MM$854.9MM
LoansQ4 2023vs Q4 2022$547.8MM$507.3MM
DepositsQ4 2023vs Q4 2022$801.8MM$790.6MM
Equity CapitalQ4 2023vs Q4 2022$75.8MM$63.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$5MM$4.9MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$0$10K
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not Round Top State Bank; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.40%$100-Savings Account

Round Top State Bank Money Market Rates

0.55%*$100k*-Money Market Fund
OTHER TIERS: 0.35% $2.5k - $25k | 0.45% $25k - $50k | 0.50% $50k - $100k

Round Top State Bank Checking Account Rates

0.20%$1k-Home Folks w/Interest
0.20%$1k-NOW Account

Round Top State Bank CD Rates

5.00%$1k-7 Month CD
5.00%$100k-7 Month Jumbo CD
4.35%$1k-11 Month CD
4.35%$100k-11 Month Jumbo CD
3.80%$100k-12 Month Jumbo CD
3.75%$1k-12 Month CD
3.70%$100k-13 Month Jumbo CD
3.64%$1k-13 Month CD
3.30%$100k-18 Month Jumbo CD
3.30%$100k-14 Month Jumbo CD
3.25%$1k-18 Month CD
3.25%$1k-14 Month CD
3.25%$100k-16 Month Jumbo CD
3.25%$1k-16 Month CD
3.05%$100k-182 Day Jumbo CD
3.00%$1k-182 Day CD
2.05%$100k-30 Month Jumbo CD
2.05%$100k-24 Month Jumbo CD
2.00%$1k-30 Month CD
2.00%$1k-24 Month CD
1.30%$100k-48 Month Jumbo CD
1.30%$100k-60 Month Jumbo CD
1.25%$1k-48 Month CD
1.25%$1k-60 Month CD
0.50%$1k-91 Day CD
0.50%$100k-91 Day Jumbo CD

Round Top State Bank Locations
Eagle Bank Branch121 N 5th StreetJarrell, TX 76537
1442 East Austin Street Branch1442 East Austin StreetGiddings, TX 78942
La Grange 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
Eagle Bank - Taylor Branch106 Nw Carlos G Parker BlvdTaylor, TX 76574

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