Keystone Bank, SSB
Austin, TX
IDRSSD: 1429028
Total Assets
$1.02B
Latest filing
Total Deposits
$864.85M
Latest filing
Net Interest Margin
3.71%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
2 routesView all→
114926151AUSTIN, TX111302600BEE CAVE, TX
Key People
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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 01/30/2026Established 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 | 89 |
| Domestic Offices | 4 |
| 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 | 01/30/2026 |
| CERT | 34456 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.02B |
| Total Deposits | $864.85M |
| Total Liabilities | $914.67M |
| Total Equity Capital | $103.75M |
| Net Income | $-245,000 |
| Net Loans and Leases | $807.04M |
| Assets Per Employee ($Millions) | $11.07M |
| Bank Premises and Fixed Assets | $13.00M |
| Cash and Balances due from Depository Institutions | $102.14M |
| Deposits Held in Domestic Offices | $864.85M |
Key Performance Ratios
| Return on Assets (ROA) | -0.09% |
| Return on Equity (ROE) | -0.94% |
| Net Interest Margin | 3.71% |
| Efficiency Ratio | 53.37% |
| Tier 1 Risk-Based Capital Ratio | 11.97% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.82% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.187% |
| Earning Assets to total Assets | 96.62% |
Income and Expense
| Total Interest Income | $16.48M |
| Total Noninterest Income | $452.00k |
| Total Interest Expense | $7.19M |
| Total Noninterest Expense | $5.26M |
| Net Interest Income | $9.29M |
| Pre-tax Net Operating Income | $-246,000 |
| Provision for Credit Losses | $4.73M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $40.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.18M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.82M |
| Total Liabilities and Capital | $1.02B |
Securities
| Securities | $75.78M |
| Available-for-sale debt securities | $73.56M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$1.02B as of the latest filing.
How much are Keystone Bank, SSB's total deposits?
$864.85M 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?
4.
When was it established?
04/01/1997.
What is the Return on Assets (ROA)?
-0.09%.
How much are total loans and leases?
$807.04M (latest filing).
What is the total interest income (latest filing)?
$16.48M.