Round Top State Bank: how it compares with its peers
Against 109 TX banks with half to twice its assets, Round Top State Bank's strongest measure in Q2 2026 is assets per employee ($11.9M vs. a $8.2M peer median). Its weakest relative measure is net interest margin (3.12% vs. 4.14%).
| Measure | Round Top State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.26% | 1.42% | Middle third Ahead of 39% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.12% | 4.14% | Bottom third Ahead of 11% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.10% | 61.07% | Top third Ahead of 78% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $11.9M | $8.2M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 68.28% | 77.81% | Context |
What it means for lending operations
Its efficiency ratio of 50.10% is better than the 61.07% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Transpecos Banks, SSB Pecos, TX · $972M
- First National Bank and Trust Company of Weatherford Weatherford, TX · $968M
- Tolleson Private Bank Dallas, TX · $982M
- HomeTown Bank, National Association Galveston, TX · $990M
- Ciera Bank Graham, TX · $993M
- Texas Bank Henderson, TX · $954M
Questions about Round Top State Bank
How big is Round Top State Bank?
Round Top State Bank, established in 1912, is headquartered in Round Top, TX. It reported $974M in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Round Top State Bank's return on assets?
1.26% annualized in Q2 2026, against a 1.42% median for 109 TX banks with half to twice its assets, ahead of 39% of them.
What is Round Top State Bank's efficiency ratio?
50.10% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 61.07%, and lower is better.
Is Round Top State Bank growing its loans?
Net loans grew 4.1% over the year to Q2 2026, while deposits grew 5.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.