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.

The score has been essentially flat from Q2 2025 to Q2 2026 (81 → 80).

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

Yes. Round Top State Bank is an FDIC-insured institution (FDIC certificate #19358). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 19.6% of deposits ($170.2M) 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 11.94%, well 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%).

Check how much of your own balance is covered

Round Top State Bank lists 7 offices in 7 cities. Most locations:

• Giddings, TX (1)
• Jarrell, TX (1)
• La Grange, TX (1)
• Lexington, TX (1)
• Round Rock, TX (1)
• Round Top, TX (1)
• Taylor, TX (1)

All branch addresses and map

In 2025, Round Top State Bank reported 141 home-loan applications under HMDA (LEI 549300SD5OZMLCCZ6H34): 122 originated ($44,820,000 total), 11 denied, and 5 withdrawn or closed by the applicant. Its denial rate on decided applications was 8.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Round Top State Bank

Type

State-chartered bank

FDIC certificate #

19358

RSSD ID

665865

Primary regulator

FDIC

Holding company

Round Top Bancshares Inc

Established

January 1, 1912

Headquarters

301 N Washington St, Round Top, TX 78954

Website

www.roundtopstatebank.com

Employees

82