Keystone Bank, SSB


11500 Bee Caves Rd Suite 150
Austin, TX 78738
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Keystone Bank, SSB is an FDIC insured institution located in Austin, TX. It was founded in 1997 and has approximately $0.43 billion in assets.

FDIC Insured Yes
FDIC Certificate # 34456
Date Established 1997
Assets $ 432.79 million
Loans $ 296.65 million
Deposits $ 372.28 million
Capital $ 59.59 million

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

Deposit Rates - October 17, 2021

Your Current Location: Connecticut, CT 06828

13 Month CD
0.50% $10,000 - Learn More


Loan Rates - October 17, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Keystone Bank, SSB

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Monthly
Learn More
NMLS ID: 330511
3.059% 3.000%
0.75 points
$1,882 fees
$1,055 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to Keystone Bank, SSB
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Financial Details

Keystone Bank, SSB Ratio Analysis

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

Texas Ratio
Keystone Bank, SSB U.S. Bank Average
0.25% 4.78%

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 June 30, 2021, Keystone Bank, SSB had $52,000 in non-current loans and $100,000 in owned real estate. To cover these potential losses it had $59,586,000 in equity and $2,186,000 in loans loss reserves. That gives it a Texas Ratio of 0.25%.

Return on Equity
Keystone Bank, SSB U.S. Bank Average
6.25% 11.29%

Keystone Bank, SSB has a Return on Equity of 6.25% versus the BestCashCow average of 11.29%. 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.

Keystone Bank, SSB U.S. Bank Average
13.77% 11.72%

Keystone Bank, SSB has a Capitalization of 13.77% versus the BestCashCow average of 11.72. 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, SSB Balance Sheet Analysis

As of June 30, 2021, Keystone Bank, SSB had assets of $432,792,000, loans of $296,653,000, and deposits of $372,279,000. 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

June 30, 2021
Cash & Balances due from depository institutions $ 83.01 million
Interest-bearing balances $ 81.16 million
Total securities $ 38.21 million
Federal funds sold and reverse repurchase $ 2.02 million
Net loans and leases $ 296.65 million
Loan loss allowance $ 2.19 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.10 million
Goodwill and other intangibles $ 7.68 million
All other assets $ 3.30 million
     Total Assets $ 373.21 million
Total deposits $ 372.28 million
      Interest-bearing deposits $ 236.45 million
      Deposits held in domestic offices $ 372.28 million
      % insured (estimated) 52.88%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.93 million
      Total Liabilities $ 373.21 million
      Shareholders’ Equity $ 59.59 million

Summary Income Statement

June 30, 2021
Total Interest Income $ 7.50 million
Total Interest Expense $ 0.91 million
Net interest income $ 6.59 million
Provision for loan and lease losses $ 0.41 million
Total non interest income $ 0.65 million
Total non interest expense $ 5.00 million
Pre-tax Net Operating Income $ 1.83 million

Bank Loan Profile?

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

Compared to other banks, Keystone Bank, SSB’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.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 22.10
Credit Card Loans 0.00
Consumer Auto Loans 0.08
Small Business Loans 5.63
Construction and Development Loans 10.43
Commercial Real Estate 29.33
Commercial and Industrial Loans 32.34
Farm Loans 0.90

Frequently Asked Questions About Keystone Bank, Ssb

Branches and Savings

Is Keystone Bank, Ssb FDIC insured?

Yes. It is covered under FDIC Certificate #34456.

Why does Keystone 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 Keystone Bank, Ssb CD rates not competitive?

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

Is Keystone Bank, Ssb a commercial bank?


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Does Keystone Bank, Ssb offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Keystone Bank, Ssb offer personal loans?

Compare personal loan rates here.

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Background on The Bank

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