Round Top State Bank (FDIC #19358): Bank Stress & Real-Estate Credit Exposure
Round Top State Bank (FDIC Cert #19358): bank stress 64/100, elevated, STABLE over 7 days; parent ROUND TOP BANCSHARES INC.
Round Top State Bank (#19358) lends in 3 counties across 1 state; Round Top State Bank (#19358) reaches 47 ZIP codes: Texas 3 counties, 47 ZIPs.
Round Top State Bank (#19358) largest markets: Williamson County, TX (81 branches, 27 ZIPs) (#19358), Fayette County, TX (30 branches, 15 ZIPs) (#19358), Lee County, TX (18 branches, 9 ZIPs) (#19358).
Round Top State Bank (#19358) reports $974.1 million in total assets; Round Top State Bank (#19358) equity $100.8 million (10.4% of Round Top State Bank (#19358) assets); Round Top State Bank (#19358) domestic deposits $870.3 million; Round Top State Bank (#19358) net income $6.1 million; Round Top State Bank (#19358) return on assets 1.26%; Round Top State Bank (#19358) return on equity 12.37%; Round Top State Bank (#19358) net interest income $14.6 million; Round Top State Bank (#19358) call report June 30, 2026.
Round Top State Bank (#19358) noncurrent real-estate loans: none reported; Round Top State Bank (#19358) net charge-offs on real estate 0.12%; Round Top State Bank (#19358) residential charge-offs 0.23%.
Round Top State Bank (#19358) net interest margin 3.12% against an eight-quarter Round Top State Bank (#19358) average of 2.85% (Round Top State Bank (#19358) compression -0.28 points); Round Top State Bank (#19358) non-residential real estate 23.1% of equity; Round Top State Bank (#19358) rate-exposure score 40/100, Round Top State Bank (#19358) fixed-rate trap 40/100; Round Top State Bank (#19358) risk type credit driven; Round Top State Bank (#19358) rate regime rates elevated, Round Top State Bank (#19358) snapshot October 19, 2026.
Round Top State Bank (#19358) stress score moved from 64.7 on June 22, 2026 to 64 on October 19, 2026; Round Top State Bank (#19358) ranged 64 to 64.7 over 116 snapshots.
Round Top State Bank (#19358) alerts: 3 counties; top Round Top State Bank (#19358) alert scores: Taylor County, TX 25 (low); Lexington County, TX 20 (low); Round Top County, TX 20 (low).