# R BANK
ROUND ROCK, TX · FDIC certificate 58935 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $1.03B | |
| Deposits | $926.1M | |
| Loans and leases | $770.5M | |
| Total equity | $93.0M | |
| Loans / deposits | 82.29% (p38 of band) | 87.10% |
| Liquid assets / assets | 22.24% (p55 of band) | |
| Uninsured deposits / deposits | 30.57% (p50 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p6 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.01% (p12 of band) | 10.50% |
| Unrealized securities loss / equity | -7.56% (p51 of band) | -7.75% |
| AOCI / equity | -0.08% (p67 of band) | |
| ROA (annualized) | 0.72% (p16 of band) | 1.26% |
| Net interest margin | 4.02% (p69 of band) | 3.70% |
| Efficiency ratio | 75.05% (p88 of band) | |
| Noncurrent loans | 1.55% (p86 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p52 of band) | |
| Reserve coverage of noncurrent | 70.35% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 77.65% (p77 of band) | |
| Auto loans | $124,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $428,000 (0% of equity) (p74 of band) | |
| Deposits YoY | 3.9% | |
| Employees | 115 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 1 | capital falling |  |
| 2011-12 | 0 |  | capital falling |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | capital falling |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | construction >100% equity |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 2 |  |  |
| 2014-03 | 1 |  | capital falling |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | capital falling |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | capital falling |  |
| 2015-12 | 2 |  |  |
| 2016-03 | 3 | charge-offs p90 |  |
| 2016-06 | 2 |  | charge-offs p90 |
| 2016-09 | 1 |  | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 1 |  | capital falling |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 0 |  | construction >100% equity, charge-offs p90 |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 1 | expense ratio p90 |  |
| 2020-09 | 1 | capital falling | expense ratio p90 |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | construction >100% equity |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 3 | charge-offs p90, uninsured deposits leaving |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 5 | capital falling, expense ratio p90, noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2024-06 | 7 | losing money, charge-offs p90 |  |
| 2024-09 | 5 |  | capital falling, charge-offs p90 |
| 2024-12 | 6 | charge-offs p90 |  |
| 2025-03 | 4 |  | losing money, charge-offs p90 |
| 2025-06 | 2 |  | construction >100% equity, expense ratio p90 |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | capital falling |  |
| 2026-03 | 2 | uninsured deposits leaving | noncurrent p90, capital falling |
| 2026-06 | 1 |  | uninsured deposits leaving |

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

- 2026-03-18 [Buster Williams, Hired at R Bank - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxOb3JYS0dySnYtNEJ1MFNyVkowMk5IMnByeXQ4X3dHbkdHbVBNaTFrZjVuekludGNIcmZ1VGgzenFsX0ZseUY0TFdaM2hYX3VKSUE3VGRCV2NkM1NmbkQ2NG9ONV9GYkdNaERNY3UyT1N6UlFpcjZkVy13YVNjaFVFS3BvWXdTTnd0VjBHZUtqMHQ?oc=5) · The Business Journals
- 2024-06-16 [R Bank celebrates 15 years in business in urban, rural Texas communities - Community Impact](https://news.google.com/rss/articles/CBMirwFBVV95cUxOYzRqa0g5MHVvWk1XeTFsaXJPZlRrWE8zSFAtZHp6YWYwUGJHQkJ3a1I1czhrLXFnWWQ4MHR0UjUxUGFTdmlKM0lhVnJ0Zy1mRzZVTnpfalJOa2VJZkJBa0xQeE9lZGk0b3dVRTUyVThNVzFDNlByQU1xTkVQemVoX0hIbmhjRW1YRDhBZkV3dWt1a2kwWDdzYW83WGt5XzIwVEVwVEtuZ0V4RTgybmtz?oc=5) · Community Impact
- 2021-01-14 [Our Future, R Bank - Student Nominations | Austin, Texas - KVUE](https://news.google.com/rss/articles/CBMiREFVX3lxTE1WLUNjUzFtNUg3MjhaMS1tZ256eGJmTXRSbVpza2JSVTRhM2g2ZjMtUFRZdTZfQVEzQkkwaFJyekxSdkVx?oc=5) · KVUE
- 2025-06-20 [Banking built for Central Texas at R Bank (video) - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVWUzc3VGaXNYc3V6UE9sMl9ibElsbFZBMWViXzN1SWZqTnFvZXU1Y0dPQ09fbTdVUmo0N2lFTGZ3MFBxbVl0OGlVR0N1NU41U0lTcG5YQkxRSWF4d25nRmFZS0tWRENOVVF3Z1BMR2lqMGJMeWpKVmFzdjh0dEVWQlVqTXhDa1ktM2txakxMU0NXbWp1M05oNmVtNA?oc=5) · The Business Journals
- 2023-12-11 [R Bank opens new branch in Georgetown - Community Impact](https://news.google.com/rss/articles/CBMiigFBVV95cUxNSXdHbWxJNTJmampaM1phUnZ2aU1tV1BtTVoyTkJXWmw4UU9CbGQ5V212dHJxVFVkTG5INDRlOFRQV3pxQkJjMjVVMll6NkVLR2htbUdPTFFaWDQxdjB2MzdvSnZKTlRVTWstSnN3MWk5TWhydjliVDRidHQ4TFpjSTd0bTY3Z1MzaWc?oc=5) · Community Impact
- 2019-08-02 [Dale Hand Obituary - Pflugerville, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMiggFBVV95cUxQT1hoYldaSWR0MldKSGpfYkJjbzBXOTI1YXJ4M0sxS3gwV0Yya1NUYkhYUmxuU09WNHNNNGdSUDBNSnlsOGc5YUNiS3JLbWdILUpQc2d6ODdzRV9iclJXQUVuOXg5QjRTckxBYlQ0NnRNQkxmRWg4RVMxSkt5SEQyTFZn?oc=5) · Dignity Memorial
- 2024-04-02 [R Bank unveils newly-renovated Austin banking center with grand reopening celebration - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOWTR5UXYyLWNVejRaOXJGV3J2OG5vdmZucTRoLXFFMzQwN3loZDRIZlNnR1RGV1Z0akE0NUU5bktXUDdqRFppSXptM1N4N2lTLVRuVEhtVWtKUngyMWYyaDRYdV9TSEp3dHR0MDNWTHBaWGxmNXdIZXpVT1hmRjdNOGsyOENiWXAyRnZSZUx3YjFEWW1lUWxVWklNS2VRLVQ2eWc?oc=5) · The Business Journals
- 2025-05-16 [More than money: How local banks are competing with culture, access, and agility - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQdVp6dUpuWUZXc050Ymh6VktqQXV0WVFyUDBPOEhBSktKMXJlazI5T3JxSkNZTEs2TGhaQlFkZHZXY0RJeElzVVNwRWU3aFFMZUtFYWNWLV9jTTQ4YlZLVWFyZlcyTjVuN0ZPUGJyand5V0ZiOTRmSXBuUU5hanNJVmNjU045aFByQTBRanA1VFk0a0pHOG0zNHlQTVpwOE14M3c?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58935 (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/55.json (key "58935", 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