# KEYSTONE BANK SSB
AUSTIN, TX · FDIC certificate 34456 · asset band $1-10B · latest filing 2025-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 3 (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 | $1.02B | |
| Deposits | $864.9M | |
| Loans and leases | $814.9M | |
| Total equity | $103.7M | |
| Loans / deposits | 93.32% (p70 of band) | 86.41% |
| Liquid assets / assets | 17.59% (p34 of band) | |
| Uninsured deposits / deposits | 41.81% (p78 of band) | 31.00% |
| Brokered deposits | 8.22% | |
| Wholesale funding | 12.14% (p70 of band) | |
| FHLB advances / assets | 3.93% | |
| Tier 1 leverage | 9.41% (p24 of band) | 10.37% |
| Unrealized securities loss / equity | -5.50% (p59 of band) | -7.29% |
| AOCI / equity | 1.71% (p32 of band) | |
| ROA (annualized) | 0.73% (p21 of band) | 1.12% |
| Net interest margin | 3.65% (p54 of band) | 3.59% |
| Efficiency ratio | 58.60% (p44 of band) | |
| Noncurrent loans | 0.11% (p15 of band) | 0.50% |
| Net charge-offs (annualized) | 0.49% (p94 of band) | |
| Reserve coverage of noncurrent | 837.03% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 101.74% (p87 of band) | |
| Auto loans | $140,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p36 of band) | |
| Deposits YoY | 8.8% | |
| Employees | 92 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 1 |  | capital falling |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2012-12 | 2 | reserve under noncurrent |  |
| 2013-03 | 0 |  | uninsured deposits leaving, reserve under noncurrent |
| 2013-06 | 1 | reserve under noncurrent |  |
| 2013-09 | 2 | noncurrent p90 |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 |  |  |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | uninsured deposits leaving |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 2 |  | uninsured deposits leaving |
| 2015-12 | 2 |  |  |
| 2016-03 | 2 |  |  |
| 2016-06 | 1 |  | noncurrent p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 3 | assets shrinking, uninsured deposits leaving |  |
| 2017-03 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2017-06 | 3 | deposits shrinking, assets shrinking |  |
| 2017-09 | 4 | uninsured deposits leaving |  |
| 2017-12 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2018-03 | 3 | deposits shrinking, assets shrinking |  |
| 2018-06 | 1 | losing money | reserve under noncurrent, deposits shrinking, assets shrinking |
| 2018-09 | 2 | charge-offs p90 |  |
| 2018-12 | 4 | expense ratio p90, NIM <2.5%, reserve under noncurrent | charge-offs p90 |
| 2019-03 | 2 |  | NIM <2.5%, reserve under noncurrent |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 0 |  | losing money, expense ratio p90, capital falling |
| 2020-06 | 2 | wholesale funding >15%, expense ratio p90 |  |
| 2020-09 | 3 | loans exceed deposits, capital falling | wholesale funding >15% |
| 2020-12 | 1 |  | expense ratio p90, loans exceed deposits |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | capital falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | capital falling, construction >100% equity |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | uninsured deposits >50% |  |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | run vulnerability |  |
| 2023-03 | 2 | capital falling | uninsured deposits >50%, run vulnerability |
| 2023-06 | 2 | uninsured deposits leaving | capital falling |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 | capital falling | construction >100% equity |
| 2024-12 | 1 | construction >100% equity | capital falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 3 | capital falling, charge-offs p90 |  |

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

- 2025-10-28 [Third Coast Bank bolsters Texas presence through strategic Austin-based acquisition - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQS3B0elVYaTlDUXJrNXNyNVVQUHctYmthU3h3Q3RGUzdBN2tiVkJqWmJWUTJkd3lvRDRwYVFqTkNtVmxLZElaN2pVV2s3N1o5UXR2U01OZVZFR2JtbjJPZnZMZV9ScnZqNDdNenRtWUREaHNvNndyLU1YOE5iN1Q1RlBuejZZMWpoVnlJUUs1WDY0ckJvNEgzc1JfY29qamxpV3dsbjZUZU1fdw?oc=5) · The Business Journals
- 2026-02-02 [Third Coast Bancshares, Inc. Completes Merger with Keystone Bancshares, Inc. - Yahoo Finance](https://news.google.com/rss/articles/CBMiigFBVV95cUxOaUswX0VXd29iMDNIcFpaVG9sSGkxTjZXSWhkVS1BQ2xmSWZNMlBCYzFqaFEzcGZwX3JRcmJOM0YxNHlXZ2FrOE1zenBaMmRUVWk5RHhPSW02aVU4REhlQXd5R0pEU1VxMjBTTUI3RlY3Y3RoQXplYnNBRF9GWlVqOC1QSlkxNXdOT1E?oc=5) · Yahoo Finance
- 2026-02-02 [Cadence Bank, Prosperity Bank, Third Coast Bank, Comerica acquisitions all close - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxPaHc5N09kM0NqSEFXYW9xN2RndzNTYm01TXFGaHBxbVpkRDI1bXJLaUplcTlQc0ZHMVNRZ0M0UTV0N2NiaTNndXgydkctdFJCZjR2LXlrb2VIYkpvYUhlT2hhZXVxdVNyaVZtbzB0NnFFeVQzS3RGX0QwelRaa2VWbGNuMU9aTGZLcWV0RHJaSFJaNFN1ZGZCVnpyTWM1WEJNMkMw?oc=5) · The Business Journals
- 2025-04-24 [Third Coast Bancshares (TCBX) Stock Price, News & Analysis - stocktitan.net](https://news.google.com/rss/articles/CBMiU0FVX3lxTFBuU0tZMC1IY2lRNzJrMTlCV3RoUkxiTlJfc3VrSHR4ekZfSGFIWWJMdFdEMHRkNmxLeHR6Rm5Yb1FoMHZldEhkbF9HMEVmMGI0U0xj?oc=5) · stocktitan.net
- 2022-10-06 [Keystone Bank raises another eight-figure sum as it aims for $1B in assets - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZ25XWFN6Uk9ob2I5cVl4emprcHlFRmI3UVN2YTFaTU8wXzlyT3dUNndyV1lJaElNa1N1bnQ0SkZ5N0FSRFdyVGZaVVR4UmxpQVQ5Q2lKa19BZEhsNVh5dk5RNW00RVo3aXZfYVA5QWpjbGkzN3hYTjFTSEkxNGFLMFFMenVtNk5EVnNIdEJfZGZRZDFuYWM3NFln?oc=5) · The Business Journals
- 2026-04-02 [Lubbock-based South Plains Financial completes acquisition of Bank of Houston - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQNzgzLWczdzJLRlZJRzgxWDAtN3JZN2Vid0VfX3BYSDNCUmpWM3ZGNDZxeXQzVHEtRV9rU3dTTVFFZE9neFNuaDhqQ2VlMU5iTklMS1RvbXBrWWdTWUhpTHBIVDhJc0tBYVpGVlNBWm9ObEwxWjI5RzU5bU5yNUU4UnVmNEJ5OUZoZ041Q0t0ZmY4X0Z4YmZYLVBGdi0wcG1JV3dEU1J6T01lSkU?oc=5) · The Business Journals
- 2026-03-02 [Cornerstone Capital Bank completes first acquisition since transformative deal - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNZjhwODczb3BFR0d4Umg2RnRvaXpTbVVTNDFxRjZQSTJpY0Y5bUktaGNrWlBrYm9xQVFZazhFWjUyUDJYZ1FoWWlvX3hxdkt5dWtHaUk3QTFMSTJWbEdmRVB6VkxJem1fR2JyWXh6SXFVMUl2Vy1uYVZ6Tk5HR3NZS2FnWFBMa3ZEcDJVdTk0T2lSVnFsaVFRU3RqTk5tYnZ1V2RDX2pYeEk5R0E?oc=5) · The Business Journals
- 2025-12-29 [Houston bank mergers and acquisitions surge as Cadence Bank, Prosperity Bank, others make deals - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxQd1hrSzZaLWR6SGU2ejhxSlJhdGVxaE03N1JoYTdQZ3prcU5tdzJ4S05IQ3JzUGJKSG5yRXVmcWVwYV92ZklqTWEzU2pzUDZNQlJBMWtaWnFxd1k0YlZOSE00YkI1NVpEZG1fdVNCTkpJeFhWZDFoaTRzUlVoUl9vQ194a00xS3Q1bDFSY3FJUGo5Yng3M0FoSHpDTHF6SUdxZ3Qw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34456 (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/24.json (key "34456", 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