Austin Capital Bank SSB (FDIC certificate #58082) is based in Austin, Texas. Its Q2 2026 call report shows $395.4M in total assets and $308.4M in deposits and 15 offices.
Austin Capital Bank SSB has a TellerScore of 67 out of 100 (moderate) based on Q2 2026 data — higher than only 34% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 251st. Problem-loan coverage contributes the most (94/100, 2.9%); funding & liquidity contributes the least (50/100, 110% loans-to-deposits, 13% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 6 points (61 → 67), mostly because the capital cushion component improved by 24 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 57 |
| Q4 2024 | 56 |
| Q1 2025 | 54 |
| Q2 2025 | 61 |
| Q3 2025 | 60 |
| Q4 2025 | 64 |
| Q1 2026 | 65 |
| Q2 2026 | 67 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.10% |
| Q3 2024 | 9.35% |
| Q4 2024 | 8.23% |
| Q1 2025 | 8.04% |
| Q2 2025 | 7.76% |
| Q3 2025 | 7.75% |
| Q4 2025 | 8.62% |
| Q1 2026 | 9.27% |
| Q2 2026 | 10.22% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.05% |
| Q3 2024 | 0.10% |
| Q4 2024 | 0.13% |
| Q1 2025 | 0.60% |
| Q2 2025 | 0.11% |
| Q3 2025 | 0.19% |
| Q4 2025 | 0.15% |
| Q1 2026 | 0.08% |
| Q2 2026 | 0.30% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.67% |
| Q3 2024 | -0.26% |
| Q4 2024 | 0.07% |
| Q1 2025 | 0.49% |
| Q2 2025 | 0.78% |
| Q3 2025 | 0.88% |
| Q4 2025 | 1.03% |
| Q1 2026 | 0.76% |
| Q2 2026 | 0.95% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 67 | $395.4M | 10.22% | 0.30% | 0.95% | 110.1% |
| Q1 2026 | 65 | $422.4M | 9.27% | 0.08% | 0.76% | 112.5% |
| Q4 2025 | 64 | $469.2M | 8.62% | 0.15% | 1.03% | 109.2% |
| Q3 2025 | 60 | $485.4M | 7.75% | 0.19% | 0.88% | 108.4% |
| Q2 2025 | 61 | $503.8M | 7.76% | 0.11% | 0.78% | 101.8% |
| Q1 2025 | 54 | $462.2M | 8.04% | 0.60% | 0.49% | 106.7% |
| Q4 2024 | 56 | $459.0M | 8.23% | 0.13% | 0.07% | 107.6% |
| Q3 2024 | 57 | $417.9M | 9.35% | 0.10% | -0.26% | 105.2% |
| Q2 2024 | 59 | $368.4M | 10.10% | 0.05% | -0.67% | 100.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoples State Bank of HallettsvilleBank Hallettsville, TX | 73 out of 100, Strong | $395.6M | 10.1% | 0.18% | vs |
| The First National Bank of StantonBank Stanton, TX | 85 out of 100, Very strong | $394.9M | 17.5% | 1.08% | vs |
| TrustTexas Bank, SSBBank Cuero, TX | 54 out of 100, Below average | $393.5M | 8.0% | 0.67% | vs |
| Farmers State BankBank Center, TX | 89 out of 100, Very strong | $391.5M | 14.4% | 0.59% | vs |
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| The MINT National BankBank Kingwood, TX | 61 out of 100, Moderate | $388.9M | 18.3% | 2.78% | vs |
Deposit insurance
Is my money safe at Austin Capital Bank SSB?
Yes. Austin Capital Bank SSB is an FDIC-insured institution (FDIC certificate #58082). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 13.0% of deposits ($40.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 40.29% (benchmark: 10%).
15 locations
Branches
Austin Capital Bank SSB lists 1 office in 1 city. Most locations:
- Austin, TX (1)
Identity & history
Profile
- Legal name
- Austin Capital Bank SSB
- Former names
- Libertad Bank SSB
- Type
- SI
- FDIC certificate #
- 58082
- RSSD ID
- 3347911
- Primary regulator
- FDIC
- Holding company
- Greenback Fincorp Inc
- Established
- January 9, 2006
- Headquarters
- 3305 Steck Ave Ste 275, Austin, TX 78757
- Website
- www.austincapitalbank.com
- Employees
- 80
Quick answers
Austin Capital Bank SSB: common questions
Is Austin Capital Bank SSB FDIC insured?
Yes. Austin Capital Bank SSB is an FDIC-insured institution (FDIC certificate #58082). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Austin Capital Bank SSB's TellerScore?
67 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Austin Capital Bank SSB ever failed?
There is no failure record for FDIC certificate #58082 in the FDIC failed bank list.
How many branches does Austin Capital Bank SSB have?
15 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Austin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pecu Credit UnionCredit union Austin, TX | 86 out of 100, Very strong | $431.4M | 14.8% | 0.47% | vs |
| Citizens National BankBank Cameron, TX | 86 out of 100, Very strong | $691.8M | 12.7% | 0.00% | vs |
| Falcon International BankBank Laredo, TX | 85 out of 100, Very strong | $2.2B | 13.4% | 0.00% | vs |
| Lcra Credit UnionCredit union Austin, TX | 83 out of 100, Strong | $20.2M | 16.0% | 0.41% | vs |
| Vatat Credit UnionCredit union Austin, TX | 82 out of 100, Strong | $11.0M | 17.9% | 0.74% | vs |
| The City National Bank of TaylorBank Taylor, TX | 82 out of 100, Strong | $250.3M | 12.9% | 0.38% | vs |