Round Top State Bank Mortgage Rates, Fees & Info

Round Top, TX

LEI: 549300SD5OZMLCCZ6H34

Tax ID: 74-0872130

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Round Top State Bank is a smaller bank specializing in Home Purchase and Refi loans. Round Top State Bank has a high proportion of conventional loans. Their top markets by origination volume include: Austin, Brenham, Houston, Killeen, and College Station among others. We have data for 8 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Round Top State Bank has an average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

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    Originations

    182

    Origination Dollar Volume (All Markets)

    $52,270,000

    Employee count

    85

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 98 $24,580,000 $250,816 $0 0.00%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 43 $13,835,000 $321,744 $0 0.00%
    Brenham, TX (FHA|USDA|VA) 21 $8,025,000 $382,143 $0 0.00%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 7 $2,305,000 $329,286 $0 0.00%
    KILLEEN-TEMPLE, TX (FHA|USDA|VA) 6 $1,240,000 $206,667 $0 0.00%
    COLLEGE STATION-BRYAN, TX (FHA|USDA|VA) 5 $1,065,000 $213,000 $0 0.00%
    Huntsville, TX (FHA|USDA|VA) 1 $825,000 $825,000 $0 0.00%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $395,000 $395,000 $0 0.00%
    Round Top State Bank's top markets include Austin, Brenham, Houston, Killeen, and College Station among others.

    Their top states include:
  • Texas (FHA|USDA|VA)

    • Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 182 $52,270,000 $287,198 $0 0.00%

    For 2021, Round Top State Bank's most frequently originated type of loan was Conventional, with 182 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 99 $31,685,000 $320,051 $0 0.00%
    Refi 47 $12,575,000 $267,553 $0 0.00%
    Cash Out Refi 17 $5,165,000 $303,824 $0 0.00%
    Home Improvement 12 $1,590,000 $132,500 $0 0.00%
    Other 7 $1,255,000 $179,286 $0 0.00%

    For 2021, Round Top State Bank's most frequently cited loan purpose was Home Purchase, with 99 originations. The 2nd most popular reason was Refi, with 47 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    Other 182 $52,270,000 $287,198 $0 0.00%

    For 2021, Round Top State Bank's most frequently cited loan duration was Other, with 182 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 70 $20,050,000 $286,429 $0 0.00%
    $100k-200k 48 $7,260,000 $151,250 $0 0.00%
    $100,000 or less 29 $1,845,000 $63,621 $0 0.00%
    $400k-600k 21 $9,875,000 $470,238 $0 0.00%
    $600k-1MM 10 $7,230,000 $723,000 $0 0.00%
    $1MM+ 4 $6,010,000 $1,502,500 $0 0.00%

    2021 saw Round Top State Bank place emphasis on $200k-400k loans with 70 originations, totaling $20,050,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $150k-250k 40 $13,420,000 $335,500 $0 0.00%
    $100k-150k 36 $8,860,000 $246,111 $0 0.00%
    $250k+ 30 $16,390,000 $546,333 $0 0.00%
    $75k-100k 21 $3,665,000 $174,524 $0 0.00%
    $50k-75k 20 $3,120,000 $156,000 $0 0.00%
    $50k or less 17 $1,865,000 $109,706 $0 0.00%

    Round Top State Bank lent most frequently to those with incomes in the $150k-250k range, with 40 originations. The second most popular income band? $100k-150k, with 36 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    Exempt% 182 $52,270,000 $287,198 $0 0.00%

    Round Top State Bank lent most frequently to those with DTI ratios of Exempt%, with 182 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 148 $39,600,000 $267,568 $0 0.00%
    Not provided 16 $6,930,000 $433,125 $0 0.00%
    Not applicable 11 $3,605,000 $327,727 $0 0.00%
    Asian 4 $1,540,000 $385,000 $0 0.00%
    Black 2 $450,000 $225,000 $0 0.00%
    American Indian 1 $145,000 $145,000 $0 0.00%

    Approval Rates

    Total approvals of all applications
    85.42%

    Round Top State Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    87.36%

    Round Top State Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    Exempt 182 $52,270,000 $287,198

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    182 $52,270,000 $287,198

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Round Top State Bank 106 Nw Carlos G Parker Blvd Taylor, TX 76574 Full Service B&M $23,262
    Round Top State Bank 121 N 5th Street Jarrell, TX 76537 Full Service B&M $93,501
    Round Top State Bank 1442 East Austin Street Giddings, TX 78942 Full Service B&M $121,195
    Round Top State Bank 2010 W. Highway 71 La Grange, TX 78945 Full Service B&M $141,016
    Round Top State Bank 2250 North Aw Grimes Blvd Round Rock, TX 78664 Full Service B&M $103,510
    Round Top State Bank 301 N. Washington St Round Top, TX 78954 Full Service B&M $149,989
    Round Top State Bank 8681 State Highway 77 Lexington, TX 78947 Full Service B&M $61,768

    For 2021, Round Top State Bank had 7 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $25,782
    Net interest income $22,488
    Total noninterest income $1,507
    Gross Fiduciary activities income $0
    Service charges on deposit accounts $714
    Trading account gains and fees $0
    Additional Noninterest Income $793
    Pre-tax net operating income $12,129
    Securities gains (or losses, -) $215
    Income before extraordinary items $10,035
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $10,035
    Minority interest net income $0
    Net income $10,035
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $9,860

    Round Top State Bank's gross interest income from loans was $25,782,000.
    Round Top State Bank's net interest income from loans was $22,488,000.
    Round Top State Bank's fee based income from loans was $714,000.
    Round Top State Bank's net income from loans was $10,035,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $3,294
    Provision for credit losses $250
    Total noninterest expense $11,616
    Salaries and employee benefits $7,280
    Premises and equipment expense $1,364
    Additional noninterest expense $2,972
    Applicable income taxes $2,309
    Net charge-offs $2
    Cash dividends $1,698

    Round Top State Bank's interest expense for loans was $3,294,000.
    Round Top State Bank's payroll and benefits expense were $7,280,000.
    Round Top State Bank's property, plant and equipment expenses $1,364,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $739,636
    Deposits held in domestic offices $739,636
    Deposits by Individuals, partnerships, and corporations $692,541
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $47,095
    Deposits by Commercial banks and other depository institutions in U.S. $0
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $238,881
    Demand deposits $207,296
    Nontransaction accounts $500,755
    Money market deposit accounts (MMDAs) $142,200
    Other savings deposits (excluding MMDAs) $84,871
    Total time deposits $273,684
    Total time and savings deposits $532,340
    Noninterest-bearing deposits $203,065
    Interest-bearing deposits $536,571
    Retail deposits $663,222
    IRAs and Keogh plan accounts $29,017
    Brokered deposits $0
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $823,785
    Cash & Balances due from depository institutions $20,409
    Interest-bearing balances $16,148
    Total securities $273,898
    Federal funds sold & reverse repurchase $66,110
    Net loans and leases $444,323
    Loan and leases loss allowance $4,245
    Trading account assets $0
    Bank premises and fixed assets $11,892
    Other real estate owned $56
    Goodwill and other intangibles $546
    All other assets $6,551

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $823,785
    Total Liabilities $740,225
    Total deposits $739,636
    Interest-bearing deposits $536,571
    Deposits held in domestic offices $739,636
    % insured (estimated) $77
    Federal funds purchased and repurchase agreements $0
    Trading liabilities $0
    Other borrowed funds $0
    Subordinated debt $0
    All other liabilities $589

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $444,323
    Loan and leases loss allowance $4,245
    Total loans and leases (domestic) $448,568
    All real estate loans $403,369
    Real estate loans in domestic offices $403,369
    Construction and development loans $100,193
    Residential 1-4 family construction $21,138
    Other construction, all land development and other land $79,055
    Loans secured by nonfarm nonresidential properties $95,668
    Nonfarm nonresidential secured by owner-occupied properties $37,405
    Commercial real estate & other non-farm, non-residential $58,263
    Multifamily residential real estate $3,364
    1-4 family residential loans $142,992
    Farmland loans $61,152
    Loans held in foreign offices $0
    Farm loans $10,639
    Commercial and industrial loans $16,883
    To non-U.S. addressees $0
    Loans to individuals $13,300
    Credit card loans $0
    Related Plans $0
    Consumer Auto Loans $4,375
    Other loans to individuals $8,925
    All other loans & leases $4,377
    Loans to foreign governments and official institutions $0
    Other loans $2,058
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Round Top State Bank had $444,323,000 of loans outstanding in 2021. $403,369,000 of loans were in real estate loans. $100,193,000 of loans were in development loans. $3,364,000 of loans were in multifamily mortgage loans. $142,992,000 of loans were in 1-4 family mortgage loans. $10,639,000 of loans were in farm loans. $0 of loans were in credit card loans. $4,375,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 195 $49,489 $253,790
    Nonfarm, nonresidential loans - <$100k 40 $1,848 $46,200
    Nonfarm, nonresidential loans - $100-250k 65 $8,701 $133,862
    Nonfarm, nonresidential loans - $250k-1MM 90 $38,940 $432,667
    Commercial & Industrial, US addressed loans - <$1MM 294 $14,480 $49,252
    Commercial & Industrial, US addressed loans - <$100k 245 $5,494 $22,424
    Commercial & Industrial, US addressed loans - $100-250k 27 $2,379 $88,111
    Commercial & Industrial, US addressed loans - $250k-1MM 22 $6,607 $300,318
    Farmland loans - <$1MM 281 $39,569 $140,815
    Farmland loans - <$100k 74 $3,241 $43,797
    Farmland loans - $100-250k 146 $19,012 $130,219
    Farmland loans - $250k-1MM 61 $17,316 $283,869
    Agriculture operations loans - <$1MM 453 $10,136 $22,375
    Agriculture operations loans - <$100k 432 $7,405 $17,141
    Agriculture operations loans - $100-250k 17 $1,507 $88,647
    Agriculture operations loans - $250k-1MM 4 $1,224 $306,000