Keystone Bank, SSB
Bee Cave, TX · Cert 34456 · Peer group: banks $1B-$10B in assets (n=284-290)
FDIC · 3 branches
Q4 2025
$1.0BAssets
$814.9MLoans
$864.9MDeposits
$103.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of banks $1B-$10B in assets (rank 43 of 284).
- Widest gap: return on equity trails 81% of banks $1B-$10B in assets (rank 235 of 290).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.72%
Rank 236 of 290
Net Interest Margin
3.35%
Rank 128 of 290
Efficiency Ratio
59.27%
Rank 128 of 290
Equity / Assets
10.19%
Rank 150 of 290
Non-interest income vs. expense
Unfavorable gap of $20.5M · efficiency ratio beats 56% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.72% | 0.82% | 1.09% | 1.41% | Beats 19% | 236 / 290 | |
| Return on Equity | 7.09% | 8.04% | 10.59% | 13.08% | Beats 19% | 235 / 290 | |
| Net Interest Margin | 3.35% | 2.87% | 3.28% | 3.78% | Beats 56% | 128 / 290 | |
| Efficiency Ratio | 59.27% | 53.76% | 60.51% | 67.14% | Beats 56% | 128 / 290 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.12% | 0.22% | 0.49% | 0.91% | Beats 85% | 43 / 284 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.97% | 11.52% | 13.11% | 15.22% | Beats 30% | 203 / 290 | |
| Total Risk-Based Capital Ratio | 12.96% | 12.41% | 14.01% | 16.12% | Beats 32% | 196 / 290 | |
| Equity / Assets | 10.19% | 8.94% | 10.29% | 11.70% | Beats 48% | 150 / 290 | |
| Liquidity & Funding |
| Loans / Deposits | 94.22% | 75.78% | 87.64% | 95.53% | 71st pctl | 83 / 284 | |
| Loans / Assets | 80.01% | 64.43% | 74.03% | 79.86% | 77th pctl | 66 / 284 | |
| Brokered Deposits / Deposits | 9.67% | n/a | 2.01% | 8.63% | Beats 22% | 222 / 285 | |