Round Top State Bank
Round Top, TX
IDRSSD: 665865
Total Assets
$946.44M
Latest filing
Total Deposits
$847.91M
Latest filing
Net Interest Margin
3.02%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Round Top State Bank
301 N Washington St
Round Top, TX 78954
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1912FDIC Certificate 13168
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Round Top State Bank (Main) | 301 N Washington St | Round Top, TX |
| 1442 EAST AUSTIN STREET BRANCH | 1442 E Austin St | Giddings, TX |
| LAGRANGE BRANCH | 2010 W. Highway 71 | La Grange, TX |
| LEXINGTON TEXAS BRANCH | 8681 State Highway 77 | Lexington, TX |
| ROUND ROCK BRANCH | 2250 N A W Grimes Blvd | Round Rock, TX |
| EAGLE BANK - TAYLOR BRANCH | 106 Carlos G Parker Blvd Nw | Taylor, TX |
| EAGLE BANK BRANCH | 121 N 5th St | Jarrell, TX |
Showing 6 of 6
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78954 |
| State and County Number | 48149 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 78 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/21/1965 |
| Primary Insurance Agency | DIF |
| Website | www.roundtopstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 19358 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $946.44M |
| Total Deposits | $847.91M |
| Total Liabilities | $850.83M |
| Total Equity Capital | $95.61M |
| Net Income | $2.90M |
| Net Loans and Leases | $580.30M |
| Assets Per Employee ($Millions) | $11.68M |
| Bank Premises and Fixed Assets | $11.74M |
| Cash and Balances due from Depository Institutions | $31.09M |
| Deposits Held in Domestic Offices | $847.91M |
Key Performance Ratios
| Return on Assets (ROA) | 1.24% |
| Return on Equity (ROE) | 12.6% |
| Net Interest Margin | 3.02% |
| Efficiency Ratio | 49.64% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.04% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.102% |
| Earning Assets to total Assets | 97.11% |
Income and Expense
| Total Interest Income | $11.21M |
| Total Noninterest Income | $448.00k |
| Total Interest Expense | $4.40M |
| Total Noninterest Expense | $3.60M |
| Net Interest Income | $6.81M |
| Pre-tax Net Operating Income | $3.56M |
| Provision for Credit Losses | $91.00k |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $61.54M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.92M |
| Total Liabilities and Capital | $946.44M |
Securities
| Securities | $249.86M |
| Available-for-sale debt securities | $244.27M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $5.59M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Round Top State Bank?
$946.44M as of the latest filing.
How much are Round Top State Bank's total deposits?
$847.91M in total deposits.
Where is Round Top State Bank located?
Round Top, TX.
What is the Net Interest Margin?
3.02%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1912.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$580.30M (latest filing).
What is the total interest income (latest filing)?
$11.21M.