Round Top State Bank

BankRound Top, Texas
www.roundtopstatebank.com

Total Assets

$943.3M

Total Deposits

$844.1M

Branches

7

Established

1912

TFS Health Grade

$
D+

69.5 / 100

Below average financial health

How we grade

Round Top State Bank is a bank headquartered in Round Top, Texas, established in 1912. With $943.3M in total assets and 7 branch locations, it has a TFS Financial Health Grade of D+ (69.5/100).

Capital & Safety

Tier 1 Capital Ratio
11.73%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.01%

Profitability

Return on Assets (ROA)
1.17%(1%)
Return on Equity (ROE)
12.02%(10%)
Net Interest Margin
2.98%
Efficiency Ratio
52.20%(60%)

Lending & Liquidity

Total Loans
$586.1M
Loan-to-Deposit Ratio
68.81%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+6.89%
Deposit Growth (YoY)
+5.54%
Net Income
$10.7M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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