Austin Capital Bank SSB
Austin, TX · Cert 58082 · Peer group: banks under $1B in assets in TX (n=208-211) · Greenback Fincorp Inc.
SI · FDIC · 1 branch
Q2 2026
$395.4MAssets
$341.2MLoans
$308.4MDeposits
$43.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 100% of banks under $1B in assets in TX (rank 1 of 211).
- Widest gap: efficiency ratio trails 90% of banks under $1B in assets in TX (rank 191 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.03%
Rank 129 of 211
Net Interest Margin
6.71%
Rank 1 of 211
Efficiency Ratio
86.02%
Rank 191 of 211
Equity / Assets
10.94%
Rank 111 of 211
Non-interest income vs. expense
Unfavorable gap of $22.6M · efficiency ratio beats 10% 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 | 1.03% | 0.87% | 1.20% | 1.65% | Beats 39% | 129 / 211 | | |
| Return on Equity | 9.40% | 7.52% | 11.67% | 14.58% | Beats 38% | 130 / 211 | | |
| Net Interest Margin | 6.71% | 3.28% | 3.82% | 4.31% | Beats 100% | 1 / 211 | | |
| Efficiency Ratio | 86.02% | 53.01% | 64.18% | 73.65% | Beats 10% | 191 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.01% | 0.30% | 1.10% | Beats 50% | 106 / 208 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 100% | 43 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 39.04% | 11.72% | 14.45% | 19.57% | Beats 93% | 14 / 211 | | |
| Total Risk-Based Capital Ratio | 40.29% | 11.94% | 14.78% | 20.30% | Beats 94% | 13 / 211 | | |
| Equity / Assets | 10.94% | 9.41% | 11.06% | 12.94% | Beats 47% | 111 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 110.64% | 45.39% | 66.56% | 82.03% | 100th pctl | 1 / 208 | | |
| Loans / Assets | 86.29% | 39.13% | 56.90% | 70.46% | 99th pctl | 3 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |