Side-by-side · Q2 2026 data
Round Top State Bank vs Austin County State Bank
Metric by metric
| Measure | Round Top State Bank | Austin County State Bank |
|---|---|---|
| TellerScore | 80 (stronger) | 75 |
| Capital cushion | 69 (stronger) | 45 |
| Loan quality | 88 | 88 |
| Earnings | 71 | 100 (stronger) |
| Funding & liquidity | 87 (stronger) | 66 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 77th | 61st |
| Total assets | $974.1M | $543.0M |
| Deposits / shares | $870.3M | $489.7M |
| Capital ratio | 11.94% (stronger) | 9.55% |
| Problem loans | 0.36% (stronger) | 0.37% |
| Net charge-offs | 0.00% | -0.03% (stronger) |
| Return on assets | 1.26% | 2.21% (stronger) |
| Loans ÷ deposits | 68.3% (stronger) | 78.5% |
| Uninsured deposits | 19.6% (stronger) | 29.0% |
| Offices | 7 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 8.1% | — |
Round Top State Bank has the higher TellerScore (80 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Round Top State Bank leads on 5 and Austin County State Bank on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.