Keystone Bank, National Association

Headquarters

11500 Bee Cave Rd Suite 150
Austin, TX 78738
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 1.05% →
2-Year CD N.A. 1.11% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.88% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Keystone Bank, National Association is an FDIC insured institution located in Austin, TX. It was founded in 1997 and has approximately $0.22 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34456
Date Established 1997
Assets $ 222.78 million
Loans $ 129.78 million
Deposits $ 184.91 million
Capital $ 37.26 million
 

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

Deposit Rates - August 14, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - August 14, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Keystone Bank, National Association

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




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
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1Rate, Inc
NMLS ID: 1948084
License#: MC-7051
2.909% 2.850% 0.75 $1,934 $1,034 Learn More
Rocket Mortgage
NMLS ID: 3030
3.494% 3.375% 1.00 $3,750 $1,106 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
3.500 %
$25,000 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
More Info

Note to Keystone Bank, National Association
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Branches

Keystone Bank, National Association 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:
Ashburn,Virginia


Keystone Bank, National Association Locations


Financial Details

Keystone Bank, National Association Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Keystone Bank, National Association. 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
Keystone Bank, National Association U.S. Bank Average
0.7% 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, Keystone Bank, National Association had $265,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $37,259,000 in equity and $749,000 in loans loss reserves. That gives it a Texas Ratio of 0.7%.

Return on Equity
Keystone Bank, National Association U.S. Bank Average
0.82% 7.80%

Keystone Bank, National Association has a Return on Equity of 0.82% 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
Keystone Bank, National Association U.S. Bank Average
16.72% 12.68%

Keystone Bank, National Association has a Capitalization of 16.72% 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.

Keystone Bank, National Association Balance Sheet Analysis

As of March 31, 2020, Keystone Bank, National Association had assets of $222,777,000, loans of $129,783,000, and deposits of $184,910,000. 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 $ 58.51 million
Interest-bearing balances $ 56.96 million
Total securities $ 22.08 million
Federal funds sold and reverse repurchase $ 0.73 million
Net loans and leases $ 129.78 million
Loan loss allowance $ 0.75 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 7.84 million
All other assets $ 2.95 million
     Total Assets $ 185.52 million
LIABILITIES
Total deposits $ 184.91 million
      Interest-bearing deposits $ 124.92 million
      Deposits held in domestic offices $ 184.91 million
      % insured (estimated) 57.69%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.61 million
      Total Liabilities $ 185.52 million
      Shareholders’ Equity $ 37.26 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 2.37 million
Total Interest Expense $ 0.48 million
Net interest income $ 1.88 million
Provision for loan and lease losses $ 0.17 million
Total non interest income $ 0.14 million
Total non interest expense $ 1.84 million
Pre-tax Net Operating Income $ 0.02 million

Bank Loan Profile?

The top three loan types in Keystone Bank, National Association’s loan portfolio are Commercial Real Estate, 1-4 Family Residential Loans, and Construction and Development Loans.

Compared to other banks, Keystone Bank, National Association’s loan portfolio does not show any specific loan specialty.

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 22.69
Multifamily
Mortgages
4.28
Credit Card Loans 0.00
Consumer Auto Loans 0.34
Small Business Loans 0.00
Construction and Development Loans 13.54
Commercial Real Estate 43.54
Commercial and Industrial Loans 9.83
Farm Loans 2.25

Frequently Asked Questions About Keystone Bank, National Association

Branches and Savings

Is Keystone Bank, National Association FDIC insured?

Yes. It is covered under FDIC Certificate #34456.

Why does Keystone Bank, National Association pay such low interest on savings accounts?

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

Why are Keystone Bank, National Association CD rates not competitive?

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

Is Keystone Bank, National Association a commercial bank?

Yes

Where are Keystone Bank, National Association locations?

See branch locations nearby.

Is Keystone Bank, National Association open on Saturdays?

Is Keystone Bank, National Association open on Sundays?

What time does Keystone Bank, National Association open?

What time does Keystone Bank, National Association close?

Are Keystone Bank, National Association ATMs Open 24/7?

Do Keystone Bank, National Association ATMs accept cash deposits?

Can Keystone Bank, National Association customers use other ATMs?

Do Keystone Bank, National Association branches have notaries?

Will Keystone Bank, National Association notarize my document?

What address for Keystone Bank, National Association should I put for incoming ACH transfers?

Will the Keystone Bank, National Association branch print checks?

Do Keystone Bank, National Association checks expire?

Does Keystone Bank, National Association require US citizenship to open account?

Can Keystone Bank, National Association close my account?

Does Keystone Bank, National Association Report to credit bureaus?

Does Keystone Bank, National Association Use Equifax?

What is Keystone Bank, National Association's ACH Routing Number?

What is Keystone Bank, National Association's SWIFT code?

Products

Does Keystone Bank, National Association offer mortgages?

Compare mortgage rates here.

Does Keystone Bank, National Association offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Keystone Bank, National Association offer personal loans?

Compare personal loan rates here.

Does Keystone Bank, National Association offer student loans?

Will Keystone Bank, National Association cash a check?

Will Keystone Bank, National Association redeem a savings bond?

Does Keystone Bank, National Association cash savings bonds?

Will Keystone Bank, National Association cash money orders?

Can Keystone Bank, National Association issue a money order?

Does Keystone Bank, National Association do currency exchange?

Background on The Bank

Who owns Keystone Bank, National Association?

How long has Keystone Bank, National Association been around?

Can Keystone Bank, National Association transfer to other banks?

Does Keystone Bank, National Association have quick pay?

Does Keystone Bank, National Association accept rolled coins?

Will Keystone Bank, National Association accept loose change?

Where is Keystone Bank, National Association headquarters?

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