Keystone Bank, SSB
Austin, TX
IDRSSD: 1429028
Total Assets
$1.05B
Latest filing
Total Deposits
$898.89M
Latest filing
Net Interest Margin
3.71%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Keystone Bank, SSB
13715 E Ladera Blvd
Austin, TX 78738
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1997FDIC Certificate 57220
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Keystone Bank, SSB (Main) | 13715 E Ladera Blvd | Austin, TX |
| AUSTIN DOWNTOWN BRANCH | 507 Pressler St | Austin, TX |
| BALLINGER BRANCH | 900 Hutchins Ave | Ballinger, TX |
| BASTROP LPO BRANCH | 815 Highway 71 W | Bastrop, TX |
Showing 3 of 3
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | State chartered stock savings banks / S&L |
| Primary Regulator | FDIC |
| Established Date | 04/01/1997 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78738 |
| State and County Number | 48453 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 41 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Austin-Round Rock-Georgetown, TX |
Operational Info
| Number of Employees | 84 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 12/04/2023 |
| Date of Deposit Insurance | 04/01/1997 |
| Primary Insurance Agency | DIF |
| Website | www.keystone.bank |
| Data Updated | 11/14/2025 |
| CERT | 34456 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.05B |
| Total Deposits | $898.89M |
| Total Liabilities | $950.77M |
| Total Equity Capital | $103.75M |
| Net Income | $2.77M |
| Net Loans and Leases | $836.52M |
| Assets Per Employee ($Millions) | $11.85M |
| Bank Premises and Fixed Assets | $13.37M |
| Cash and Balances due from Depository Institutions | $109.93M |
| Deposits Held in Domestic Offices | $898.89M |
Key Performance Ratios
| Return on Assets (ROA) | 1.07% |
| Return on Equity (ROE) | 10.87% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 59.52% |
| Tier 1 Risk-Based Capital Ratio | 11.609% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.09% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.838% |
| Earning Assets to total Assets | 96.73% |
Income and Expense
| Total Interest Income | $16.63M |
| Total Noninterest Income | $244.00k |
| Total Interest Expense | $7.33M |
| Total Noninterest Expense | $5.74M |
| Net Interest Income | $9.30M |
| Pre-tax Net Operating Income | $3.57M |
| Provision for Credit Losses | $228.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $40.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $5.58M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $11.88M |
| Total Liabilities and Capital | $1.05B |
Securities
| Securities | $69.99M |
| Available-for-sale debt securities | $67.80M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Keystone Bank, SSB?
$1.05B as of the latest filing.
How much are Keystone Bank, SSB's total deposits?
$898.89M in total deposits.
Where is Keystone Bank, SSB located?
Austin, TX.
What is the Net Interest Margin?
3.71%.
How many domestic offices does it operate?
3.
When was it established?
04/01/1997.
What is the Return on Assets (ROA)?
1.07%.
How much are total loans and leases?
$836.52M (latest filing).
What is the total interest income (latest filing)?
$16.63M.