Round Top State Bank is a bank based in Round Top, Texas, established in 1912, with $975 million in total assets across 7 branches. By Trust Grade it ranks 59th of 349 banks we track in Texas. Its capital ratio of 10.0% trails most similarly sized banks (48th percentile), versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.21% return on assets. No consumer complaints against Round Top State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Round Top State Bank compares to Texas peers
How we graded Round Top State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.0% capital ratio)
- Strongly profitable (ROA 1.21%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Round Top State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 301 N Washington St, Round Top, TX 78954
- 1442 E Austin St, Giddings, TX 78942
- 2010 W. Highway 71, La Grange, TX 78945
- 8681 State Highway 77, Lexington, TX 78947
- 2250 N A W Grimes Blvd, Round Rock, TX 78665
- 106 Carlos G Parker Blvd Nw, Taylor, TX 76574
- 121 N 5th St, Jarrell, TX 76537
Are deposits at Round Top State Bank insured?
Yes. Round Top State Bank is an FDIC-insured bank (FDIC certificate #19358). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Round Top State Bank: frequently asked questions
Is Round Top State Bank a good bank?
Round Top State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (10.0% capital ratio); Strongly profitable (ROA 1.21%).
Is Round Top State Bank FDIC-insured?
Yes. Round Top State Bank is a FDIC-insured bank (FDIC certificate #19358). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Round Top State Bank?
Round Top State Bank holds $975 million in total assets, ranking 59th of 349 banks we track in Texas. It operates 7 branches.
Does Round Top State Bank have CFPB complaints?
No CFPB complaints against Round Top State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
