Austin Capital Bank SSB

Headquarters

8100 Shoal Creek Blvd.
Austin, TX 78757
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.05% →
1-Year CD 0.55% 0.95% →
2-Year CD 0.75% 1.05% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Austin Capital Bank SSB is an FDIC insured institution located in Austin, TX. It was founded in 2006 and has approximately $0.15 billion in assets.

FDIC Insured Yes
FDIC Certificate # 58082
Date Established 2006
Assets $ 152.34 million
Loans $ 106.78 million
Deposits $ 115.59 million
Capital $ 14.10 million
 

For a more detailed analysis of Austin Capital Bank SSB's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 18, 2020

Your Current Location: Washington, WA 98109

Savings and Money Market Rates APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.05% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.15% $10,000 $14,999 Learn More
3 Mo CD
0.15% $100,000 $199,999 Learn More
6 Mo CD
0.25% $10,000 $14,999 Learn More
6 Mo CD
0.25% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.70% $10,000 $14,999 Learn More
18 Mo CD
0.70% $100,000 $199,999 Learn More
24 Mo CD
0.75% $10,000 $14,999 Learn More
24 Mo CD
0.75% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.05% $1 $99 Learn MoreShow Less
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 18, 2020

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Austin Capital Bank SSB

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Washington 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 520-CL-25944
2.815% 2.750% 0.88 $2,118 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
3.500 %
$25,000 Learn More
More Info

Note to Austin Capital Bank SSB
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Branches

Austin Capital Bank SSB branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Seattle,Washington


Austin Capital Bank SSB Locations


Financial Details

Austin Capital Bank SSB Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Austin Capital Bank SSB. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Austin Capital Bank SSB U.S. Bank Average
0.48% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Austin Capital Bank SSB had $72,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $14,100,000 in equity and $862,000 in loans loss reserves. That gives it a Texas Ratio of 0.48%.

Return on Equity
Austin Capital Bank SSB U.S. Bank Average
0.26% 7.80%

Austin Capital Bank SSB has a Return on Equity of 0.26% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Austin Capital Bank SSB U.S. Bank Average
9.26% 12.68%

Austin Capital Bank SSB has a Capitalization of 9.26% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Austin Capital Bank SSB Balance Sheet Analysis

As of March 31, 2020, Austin Capital Bank SSB had assets of $152,344,000, loans of $106,775,000, and deposits of $115,593,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 34.89 million
Interest-bearing balances $ 34.06 million
Total securities $ 1.94 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 106.78 million
Loan loss allowance $ 0.86 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 3.86 million
     Total Assets $ 138.24 million
LIABILITIES
Total deposits $ 115.59 million
      Interest-bearing deposits $ 98.94 million
      Deposits held in domestic offices $ 115.59 million
      % insured (estimated) 84.36%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 20.49 million
Subordinated debt N.A.
All other liabilities $ 2.16 million
      Total Liabilities $ 138.24 million
      Shareholders’ Equity $ 14.10 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 1.73 million
Total Interest Expense $ 0.49 million
Net interest income $ 1.24 million
Provision for loan and lease losses N.A.
Total non interest income $ 4.58 million
Total non interest expense $ 5.77 million
Pre-tax Net Operating Income $ 0.04 million

Bank Loan Profile?

The top three loan types in Austin Capital Bank SSB’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Commercial and Industrial Loans.

Compared to other banks in Texas, Austin Capital Bank SSB has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 51.25
Multifamily
Mortgages
0.72
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 0.00
Construction and Development Loans 2.10
Commercial Real Estate 14.11
Commercial and Industrial Loans 3.78
Farm Loans 0.00

Frequently Asked Questions About Austin Capital Bank Ssb

Branches and Savings

Is Austin Capital Bank Ssb FDIC insured?

Yes. It is covered under FDIC Certificate #58082.

Why does Austin Capital Bank Ssb pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Austin Capital Bank Ssb CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Austin Capital Bank Ssb a commercial bank?

Yes

Where are Austin Capital Bank Ssb locations?

See branch locations nearby.

Is Austin Capital Bank Ssb open on Saturdays?

Is Austin Capital Bank Ssb open on Sundays?

What time does Austin Capital Bank Ssb open?

What time does Austin Capital Bank Ssb close?

Are Austin Capital Bank Ssb ATMs Open 24/7?

Do Austin Capital Bank Ssb ATMs accept cash deposits?

Can Austin Capital Bank Ssb customers use other ATMs?

Do Austin Capital Bank Ssb branches have notaries?

Will Austin Capital Bank Ssb notarize my document?

What address for Austin Capital Bank Ssb should I put for incoming ACH transfers?

Will the Austin Capital Bank Ssb branch print checks?

Do Austin Capital Bank Ssb checks expire?

Does Austin Capital Bank Ssb require US citizenship to open account?

Can Austin Capital Bank Ssb close my account?

Does Austin Capital Bank Ssb Report to credit bureaus?

Does Austin Capital Bank Ssb Use Equifax?

What is Austin Capital Bank Ssb's ACH Routing Number?

What is Austin Capital Bank Ssb's SWIFT code?

Products

Does Austin Capital Bank Ssb offer mortgages?

Compare mortgage rates here.

Does Austin Capital Bank Ssb offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Austin Capital Bank Ssb offer personal loans?

Compare personal loan rates here.

Does Austin Capital Bank Ssb offer student loans?

Will Austin Capital Bank Ssb cash a check?

Will Austin Capital Bank Ssb redeem a savings bond?

Does Austin Capital Bank Ssb cash savings bonds?

Will Austin Capital Bank Ssb cash money orders?

Can Austin Capital Bank Ssb issue a money order?

Does Austin Capital Bank Ssb do currency exchange?

Background on The Bank

Who owns Austin Capital Bank Ssb?

How long has Austin Capital Bank Ssb been around?

Can Austin Capital Bank Ssb transfer to other banks?

Does Austin Capital Bank Ssb have quick pay?

Does Austin Capital Bank Ssb accept rolled coins?

Will Austin Capital Bank Ssb accept loose change?

Where is Austin Capital Bank Ssb headquarters?

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