Bank · FDIC insured
Round Top State Bank
A $974.1M bank headquartered in Round Top, TX, with 7 branches in Texas. Best rates: CDs 4.10% and savings 0.40% APY.
Round Top State Bank Carrot Score
74
Carrot Score
Higher than 36% of U.S. banks and credit unions
#35 of 51 in Austin, TX metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Round Top State Bank
Round Top State Bank is a local bank in Round Top, Texas, serving individuals, families, and businesses across Central Texas for over 100 years.
- Headquarters
- 301 N Washington St, Round Top, TX 78954
- FDIC certificate
- 19358 ↗
Branches
7 branches in Texas
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Texas
7 branches
Austin area · 3
- Eagle Bank Branch121 N 5th St, Jarrell, TX 76537Directions
- Round Rock Branch2250 N A W Grimes Blvd, Round Rock, TX 78665Directions
- Eagle Bank - Taylor Branch106 Carlos G Parker Blvd Nw, Taylor, TX 76574Directions
Round Top area · 1
- Round Top State BankMain office301 N Washington St, Round Top, TX 78954Directions
Giddings area · 1
- 1442 East Austin Street Branch1442 E Austin St, Giddings, TX 78942Directions
La Grange area · 1
- Lagrange Branch2010 W. Highway 71, La Grange, TX 78945Directions
Lexington area · 1
- Lexington Texas Branch8681 State Highway 77, Lexington, TX 78947Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.94% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.36% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.26% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $69 | $81 | — |
- CapitalLeverage ratio11.94%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.36%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.26%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$69Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Round Top State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.