Round Top State Bank
Round Top, TX · Cert 19358 · Peer group: banks under $1B in assets in TX (n=208-211) · Round Top Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$974.1MAssets
$599.6MLoans
$870.3MDeposits
$100.8MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 82% of banks under $1B in assets in TX (rank 40 of 211).
- Widest gap: net interest margin trails 86% of banks under $1B in assets in TX (rank 181 of 211).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.25%
Rank 96 of 211
Net Interest Margin
2.93%
Rank 181 of 211
Efficiency Ratio
50.10%
Rank 40 of 211
Equity / Assets
10.35%
Rank 130 of 211
Non-interest income vs. expense
Unfavorable gap of $13.8M · efficiency ratio beats 82% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.25% | 0.87% | 1.20% | 1.65% | Beats 55% | 96 / 211 | | |
| Return on Equity | 12.08% | 7.52% | 11.67% | 14.58% | Beats 53% | 99 / 211 | | |
| Net Interest Margin | 2.93% | 3.28% | 3.82% | 4.31% | Beats 14% | 181 / 211 | | |
| Efficiency Ratio | 50.10% | 53.01% | 64.18% | 73.65% | Beats 82% | 40 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.36% | 0.01% | 0.30% | 1.10% | Beats 48% | 110 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 76% | 51 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.94% | 11.72% | 14.45% | 19.57% | Beats 25% | 158 / 211 | | |
| Total Risk-Based Capital Ratio | 11.94% | 11.94% | 14.78% | 20.30% | Beats 25% | 159 / 211 | | |
| Equity / Assets | 10.35% | 9.41% | 11.06% | 12.94% | Beats 38% | 130 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 68.90% | 45.39% | 66.56% | 82.03% | 54th pctl | 95 / 208 | | |
| Loans / Assets | 61.56% | 39.13% | 56.90% | 70.46% | 58th pctl | 88 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |