Headquartered in Bellville, Texas, Austin County State Bank is a state-chartered bank with $543.0M in total assets and $489.7M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 2007.
Austin County State Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 164th. Earnings contributes the most (100/100, 2.21%); capital cushion contributes the least (45/100, 9.55%).
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 fell 2 points (77 → 75), mostly because the capital cushion component weakened by 8 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 74 |
| Q3 2024 | 78 |
| Q4 2024 | 77 |
| Q1 2025 | 72 |
| Q2 2025 | 77 |
| Q3 2025 | 76 |
| Q4 2025 | 78 |
| Q1 2026 | 77 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.00% |
| Q3 2024 | 10.51% |
| Q4 2024 | 10.72% |
| Q1 2025 | 10.13% |
| Q2 2025 | 10.27% |
| Q3 2025 | 10.62% |
| Q4 2025 | 10.18% |
| Q1 2026 | 9.61% |
| Q2 2026 | 9.55% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.48% |
| Q1 2025 | 0.53% |
| Q2 2025 | 0.27% |
| Q3 2025 | 0.41% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.24% |
| Q2 2026 | 0.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.81% |
| Q3 2024 | 1.97% |
| Q4 2024 | 2.00% |
| Q1 2025 | 1.72% |
| Q2 2025 | 2.17% |
| Q3 2025 | 2.18% |
| Q4 2025 | 2.12% |
| Q1 2026 | 2.60% |
| Q2 2026 | 2.21% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $543.0M | 9.55% | 0.37% | 2.21% | 78.5% |
| Q1 2026 | 77 | $510.7M | 9.61% | 0.24% | 2.60% | 78.8% |
| Q4 2025 | 78 | $478.2M | 10.18% | 0.17% | 2.12% | 84.5% |
| Q3 2025 | 76 | $442.7M | 10.62% | 0.41% | 2.18% | 87.8% |
| Q2 2025 | 77 | $423.1M | 10.27% | 0.27% | 2.17% | 86.7% |
| Q1 2025 | 72 | $417.6M | 10.13% | 0.53% | 1.72% | 85.8% |
| Q4 2024 | 77 | $403.8M | 10.72% | 0.48% | 2.00% | 87.1% |
| Q3 2024 | 78 | $389.6M | 10.51% | 0.23% | 1.97% | 89.5% |
| Q2 2024 | 74 | $384.2M | 10.00% | 0.39% | 1.81% | 87.0% |
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 |
|---|---|---|---|---|---|
| Bank of TexasBank Midland, TX | 75 out of 100, Strong | $543.6M | 13.0% | 0.48% | vs |
| Herring BankBank Amarillo, TX | 66 out of 100, Moderate | $540.5M | 12.2% | 0.55% | vs |
| First State Bank and Trust CompanyBank Carthage, TX | 65 out of 100, Moderate | $547.4M | 14.0% | 1.96% | vs |
| Fayette Savings Bank, SSBBank La Grange, TX | 81 out of 100, Strong | $551.8M | 11.0% | 0.01% | vs |
| Texas Traditions BankBank Katy, TX | 69 out of 100, Moderate | $555.9M | 9.4% | 0.00% | vs |
| First Commercial Bank, National AssociationBank Seguin, TX | 73 out of 100, Strong | $565.9M | 10.3% | 0.45% | vs |
Deposit insurance
Is my money safe at Austin County State Bank?
Yes. Austin County State Bank is an FDIC-insured institution (FDIC certificate #58484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 29.0% of deposits ($141.9M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.55%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Austin County State Bank lists 4 offices in 4 cities. Most locations:
- Bellville, TX (1)
- Godley, TX (1)
- Industry, TX (1)
- Sealy, TX (1)
Identity & history
Profile
- Legal name
- Austin County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 58484
- RSSD ID
- 3463875
- Primary regulator
- FDIC
- Holding company
- Austin County Bancshares Inc
- Established
- June 26, 2007
- Headquarters
- 436 S Front St, Bellville, TX 77418
- Website
- www.acsbank.com
- Employees
- 67
Quick answers
Austin County State Bank: common questions
Is Austin County State Bank FDIC insured?
Yes. Austin County State Bank is an FDIC-insured institution (FDIC certificate #58484). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Austin County State Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Austin County State Bank ever failed?
There is no failure record for FDIC certificate #58484 in the FDIC failed bank list.
How many branches does Austin County State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Bellville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Citizens National BankBank Cameron, TX | 86 out of 100, Very strong | $691.8M | 12.7% | 0.00% | vs |
| Columbus State BankBank Columbus, TX | 86 out of 100, Very strong | $326.5M | 14.5% | 0.00% | vs |
| Global One BankBank Houston, TX | 84 out of 100, Strong | $333.2M | 14.5% | 0.27% | vs |
| Germania Credit UnionCredit union Brenham, TX | 81 out of 100, Strong | $19.5M | 12.6% | 0.00% | vs |
| Lone Star BankBank Houston, TX | 77 out of 100, Strong | $202.3M | 12.7% | 0.29% | vs |
| The First National Bank of BastropBank Bastrop, TX | 77 out of 100, Strong | $1.2B | 11.6% | 0.33% | vs |