# ROUND TOP STATE BANK
ROUND TOP, TX · FDIC certificate 19358 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $974.1M | |
| Deposits | $870.3M | |
| Loans and leases | $599.6M | |
| Total equity | $100.8M | |
| Loans / deposits | 68.28% (p22 of band) | 82.04% |
| Liquid assets / assets | 36.53% (p77 of band) | |
| Uninsured deposits / deposits | 19.56% (p27 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.94% (p68 of band) | 10.81% |
| Unrealized securities loss / equity | -24.22% (p17 of band) | -8.10% |
| AOCI / equity | -1.89% (p9 of band) | |
| ROA (annualized) | 1.26% (p49 of band) | 1.28% |
| Net interest margin | 3.12% (p13 of band) | 3.91% |
| Efficiency ratio | 50.10% (p19 of band) | |
| Noncurrent loans | 0.36% (p45 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 248.28% | |
| Real estate % of loans | 90% | |
| Construction % of loans | 90.25% (p82 of band) | |
| Auto loans | $5.7M (0.95% of loans; DQ 0.12%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 5.6% | |
| Employees | 82 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 0 |  | capital falling |
| 2021-06 | 1 | construction >100% equity |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | capital falling |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 4 | capital falling, NIM <2.5% |  |
| 2024-06 | 3 |  | capital falling |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity | NIM <2.5% |
| 2025-03 | 3 | assets shrinking |  |
| 2025-06 | 2 |  | assets shrinking |
| 2025-09 | 1 |  | securities losses >30% of equity |
| 2025-12 | 0 |  | construction >100% equity |
| 2026-03 | 1 | construction >100% equity |  |
| 2026-06 | 0 |  | construction >100% equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-04-21 [Round Top News - SouthTexasNews.com](https://news.google.com/rss/articles/CBMitwFBVV95cUxOb3hvLXN4djVBaHVTN1JiVWJJdGsycGEyOTZNdndaRVpJbUJXalpaU3c5TDZvLTlTLWJqYWVfcDFzQXRXTXhhbV9wNjJzUXVKLWRIUHZXUndCVHRHSlBKaTV5blVvYzlyU0R1UHB6N05ocjN6emF5YXhIOEh2d3JmTEhPNm1Jb29MR01SNnBybWZCVVMtNDk5RjZTQ2pySmVsYVlsZXRiM3VVWnBGVVFueVVHTE90MHM?oc=5) · SouthTexasNews.com
- 2026-08-01 [Oltmann | Obituaries - SouthTexasNews.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxOVU81SFE3aXBZVTFKamVmbWxhVDZMdXJDNlBKaFBJTnZ3TmRzMUpKODdzSXc5bGJUTF9YakprRDdCUVh1X25RalI0T3lRU0JrTXRjVWNadVdvRHQ4ekVtX2NZYVItbUMxTnFSSVVwV1VNZUJqNFI4cHhqQjlUWmlRSGZkSUtKbHNJejZvekJMeXpvdnhOSThlZktxMlMwYS04SklyLUZvTDhDeTdQeldxZ2NlYUZaQlhmZlNwNA?oc=5) · SouthTexasNews.com
- 2026-03-12 [Round Top Spring Antiques Show Spans 11 Miles Along Texas 237 March 14-28 - The Fayette County Record](https://news.google.com/rss/articles/CBMiswFBVV95cUxOc09Damh5Tk5lYTF1Qk9IUVhvSlpYTUM0ZUpOZFEyOHlXY25uam83LTJvY280bmdBT2VSYXl6dEJlV25VZDZhV1pZU0JoVWFha1VQQ01Kd0N0dGxFdXpMbVVnRUM3LV9JSEFBYzlsWGNQbWNwTVkteUU4NU1ZRjZRdGFsWThxaUEtWkttTUVFUTRla1FFNDZHTDYxUkwtTHZHTmFtdGVyX09lbGw1R3hxVzBkSQ?oc=5) · The Fayette County Record
- 2025-10-16 [Virginia Weigelt Obituary - Houston, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPNUxLMnZLMElkektGcEd0WkVlMVJ5UGdRbVdzTU02blJyNk82YnFBZFc0Zk80THBEZThPeVJrSVlDU2tXSHhGRENZcWlBUGxMWE9Lemk0OGpxSlpob2oyeHRYN1NpdHZTU1J1SF9lVzBkSTRFTkxPOUM5V0R6bUhRZ2NCZnFmdw?oc=5) · Dignity Memorial
- 2026-03-27 [Round Top News: Busy end to March, start to April planned - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi7gFBVV95cUxQZjZnOHdhRFBfR0RBbVBzd1QzZFdxei1La1ZpSnpJMWs3am1hVXROMGR3SjRxMW9hRFdGX1ZHUzZQNFF1bk03Sk02YkhlYjVET2drZUlkSktGdS1CS2l5UVFMUlJKYzNGYWNacWg1SmVnZHh2WV9paEIycDhYNUlDSlA2UXBTeWdwcGVSb2NKTHFOaWMxU0dLVG1keHZ3SEZqTzVza3dpQjI3d1RORXd2NmVRbWY3V0p0Skt1R2VoSS1MaTQ1WElpX04wSlZpWEJhczJnSXF4Q19URU1QTFZESldSbnJucGxJNkxsWjNn?oc=5) · SouthTexasNews.com
- 2005-02-22 [Raymond Wagner, Iii Obituary Feb 22, 2005 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMicEFVX3lxTE5JNU5QWnFWSXllTERCOC1FWmxaSmR0YkZZdVFOdTh6dUVWLVY1dDRVcXNGTm55cksyNEJIUllFZExfR3NEYi1iX2RSOWI2OThGdkpUT2VrbU0xZng0TmFXWUIxekRRa2E1TUhwTXBMZ0U?oc=5) · Memorial Oaks Chapel
- 2026-09-03 [2026 Fayette County Junior Livestock Show Grand Champions - The Fayette County Record](https://news.google.com/rss/articles/CBMingFBVV95cUxObkhESHFKY0d0WW5wRU1PV01KYTgwUDA5WHRHaGwxdlJQT0FxbnZRQUwxckozb2s1TnkzR1FoMHNlZlN3WE5hYkR3cnBXdVFrV1NxR0dtLVVvaWhsdUkwZ3VxZEVaZHM5ZGpXZGxGemQ1RXpySEVfY2VOQ1R1OWVkaDhpbVh0M3M1LWZMS1NWcUVtMGVkRkR3dW1VeHFZdw?oc=5) · The Fayette County Record
- 2022-03-31 [2022 Fayette County Junior Livestock Show - The Fayette County Record](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNMlNQV255Mlh6MTJrUVlDem5UVlVhOFJvT3ZVbjZJYWhraWNsUDZhdTdxV0hJWWN6RnVadnc3T2NWTVl2WGN4cXhkdVpmZlVJUXFLQnpCVldoS1JGLU04ZklESEhsSTMyajJSWkUxcU5jSllhLUdGdzF0YUMwRVJ2YzdXOHBib3hq?oc=5) · The Fayette County Record

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=19358 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/30.json (key "19358", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide