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Round Top State Bank

IDRSSD: 665865
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. 3 alerts active.

Summary

RSSD 665865 held $975.2M in total assets as of 2026-03-31 (+3.4% quarter-over-quarter). Total loans stood at $596.7M (+2.7% QoQ) and total deposits at $873.6M (+3.5% QoQ).

Overall position is adequate — the composite Health Score is 63/100 (Adequate). Tier 1 capital data is unavailable for this period. Asset quality (NPL ratio) sits in the top quartile of peers.

3 Quarterly Anomaly Alerts fired this quarter, including 1 critical-severity row. Review the alert list below for the specific Cliff Drop, Peer Outlier, and Threshold Crossing details.

Headline KPIs

Health Score
63/100
Adequate
Active Alerts
3
1 critical, 2 warning
Total Assets
$975.2M
+3.4% QoQ
Total Loans
$596.7M
+2.7% QoQ
Total Deposits
$873.6M
+3.5% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
—
data pending↑ better
CET1 / RWA
0.00%
17th pctile · n=500↑ better
Total RBC / RWA
—
data pending↑ better
Tier 1 Leverage Ratio
0.00%
17th pctile · n=500↑ better

Liquidity

Cash / Assets
3.11%
23th pctile · n=500↑ better
+1 bp QoQ
Loans / Deposits
68.30%
20th pctile · n=498↓ better
-51 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.06%
19th pctile · n=500↓ better
+5 bp QoQ
NPA / Assets
0.04%
16th pctile · n=500↓ better
+3 bp QoQ
Texas Ratio (regulatory)
0.31%
16th pctile · n=500↓ better
+27 bp QoQ
Net Charge-Offs / Avg Loans
0.00%
36th pctile · n=500↓ better
ALLL Coverage of NPL
1425.07%
87th pctile · n=500↑ better
-971660 bp QoQ

Earnings

Net Interest Margin
3.08%
14th pctile · n=500↑ better
-4 bp QoQ
Return on Assets
1.21%
50th pctile · n=500↑ better
-5 bp QoQ
Return on Equity
11.92%
50th pctile · n=500↑ better
-42 bp QoQ
Efficiency Ratio
50.90%
21th pctile · n=500↓ better
+160 bp QoQ
Pre-tax NOI / Avg Assets
1.49%
51th pctile · n=500↑ better
-5 bp QoQ

Funding

Brokered / Deposits
0.00%
21th pctile · n=498↓ better
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
19th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
30.19%
84th pctile · n=500↑ better
-10 bp QoQ
AFS Securities / Assets
29.62%
89th pctile · n=500↑ better
-8 bp QoQ
HTM Securities / Assets
0.57%
72th pctile · n=500↑ better
-2 bp QoQ

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-12 21:24:05 UTC