FDIC Cert #58082 · Austin, Texas · Est. 2006

Austin Capital Bank SSB - FDIC Bank Health Profile

A community-scale look at Austin Capital Bank SSB's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$469M
Total assets
A
Health grade · Excellent
1.03%
Return on assets
36.5%
Tier 1 capital

Data updated July 2026

The verdict

Austin Capital Bank SSB earns a PlainBankData health grade of A (80/100), with well-capitalized at 36.49% Tier 1, profitable at 1.03% ROA, 87% efficiency ratio.

#1,880
largest of 4,313 FDIC banks by assets
56th
percentile by asset size, nationally
36.49%
Tier 1 ratio - above the 10% well-capitalized line
45th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 58082 · TX A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1988/4307
  • PHOTO-FINISH NobleBank & Trust · AL
  • TIER1-WELL 36.5% Tier 1
  • TEXAS-CLEAN 1.4% Texas
  • ROA-PAR 1.03% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Texas: NobleBank & Trust, AL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Austin Capital Bank SSB

Lowest and highest poles plus nearest scored peers outside Texas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Austin Capital Bank… · TX · …80/100First Resource Bank · PA · n…80/100Flagship Bank · FL · near80/100Milestone Bank · UT · near80/100NobleBank & Trust · AL · near80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Austin Capital Bank SSB · July 2026

Call Report read for Austin Capital Bank SSB in a high-failure state

Austin Capital Bank SSB (FDIC Cert #58082) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,988 of 4,307. Tier 1 capital prints at 36.49%, clearing the 10% well-capitalized line. The Texas Ratio is 1.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.03%. Balance-sheet scale is $469M, 1,880th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is NobleBank & Trust (AL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Austin Capital Bank SSB

14 FAILURE resolutions in Texas since 2000, heavy vs the state corpus

Austin Capital Bank SSB sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2025). The list below is state history from the Failed Bank List, not a claim about Austin Capital Bank SSB's current Call Report.

  • SANTA ANNA NATIONAL BANK SANTA ANNA, TX 2025 → COLEMAN COUNTY STATE BANK
  • ENLOE STATE BANK COOPER, TX 2019 → LEGEND BANK, NA
  • FIRST NATIONAL BANK EDINBURG, TX 2013 → PLAINSCAPITAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Texas banks.

How Austin Capital Bank SSB's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
Austin Capital Bank SSB's composite health score
Tier 1 Capital Ratio (36.49%) 40/40
Return on Assets (ROA) (1.03%) 20/25
Texas Ratio (1.44%) 20/20
Efficiency Ratio (86.84%) 0/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$469M

Total balance-sheet footings

Total Deposits

$373M

Customer-funded liabilities

Net Loans

$408M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 10% 20% 30% 40% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 35.09% 36.49% 37.89%
Basel III capital ratios - Austin Capital Bank SSB

Where Austin Capital Bank SSB ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Austin Capital Bank SSB's score of 80/100 falls in the highlighted band.

Austin Capital Bank SSB: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 46% higher than 54% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Austin Capital Bank SSB 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Austin Capital Bank SSB's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Austin Capital Bank SSB's $469M falls in the highlighted band.

Capital & credit buffers at Austin Capital Bank SSB

Tier 1 capital ratio
Well-capitalized 10%

36.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
36.49%
Texas Ratio
1.44%
Equity Capital
$42M

What these ratios mean →

Earnings posture at Austin Capital Bank SSB

Return on Assets (ROA)
45th percentile nationally
1.03%
Return on Equity (ROE)
12.52%
Efficiency Ratio
86.84%

What these mean →

Income & expense at Austin Capital Bank SSB

$36M
Interest Income
$7M
Non-Interest Income
$32M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Austin Capital Bank SSB reports a Texas Ratio of 1.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Austin Capital Bank SSB on FDIC BankFind →

Top banks in Texas by total assets

Largest banks headquartered in Texas
  1. 1
    Charles Schwab Bank, SSB $253.8B

    Westlake, TX · Grade A

  2. 2
    Frost Bank $53.1B

    San Antonio, TX · Grade A

  3. 3
    Prosperity Bank $38.5B

    El Campo, TX · Grade A

  4. 4
    Texas Capital Bank $31.3B

    Dallas, TX · Grade A

  5. 5
    Charles Schwab Premier Bank, SSB $27.0B

    Westlake, TX · Grade A

Top 5 banks in Texas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($469M here), outside Texas so the neighborhood is not state containment.

The Denison State Bank $469M · KS NSB Bank $469M · IA Northview Bank $470M · MN Robertson Banking Company $468M · AL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Austin Capital Bank SSB (FDIC Cert #58082) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Austin Capital Bank SSB Call Report profile · FDIC Failed Bank List · Texas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Texas

All Texas banks →
BankAssetsGradeROA
Charles Schwab Bank, SSBWestlake $253.8B A 0.94%
Frost BankSan Antonio $53.1B A 1.26%
Prosperity BankEl Campo $38.5B A 1.44%
Texas Capital BankDallas $31.3B A 1.10%
Charles Schwab Premier Bank, SSBWestlake $27.0B A 1.47%
First Financial BankAbilene $15.4B A 1.64%
NexBankDallas $13.9B A 1.17%
PlainsCapital BankUniversity Park $12.7B B 1.05%