🏦Bank Scorer

AUSTIN CAPITAL BANK SSB

AUSTIN, TX · Supervised by FDIC

Est. 2006FDIC #58,082RSSD: FDIC-58082
Part ofGREENBACK FINCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: August 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.76%

Institution Profile

FDIC BankFind

Address

3305 Steck Ave Ste 275, AUSTIN, TX

County

Travis County

Established

January 9, 2006

Total Assets

$422M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

August 1, 2022

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Aug 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$422M

Total Deposits

$336M

Net Loans

$378M

Net Income

$848K

ROA

0.76%

ROE

8.03%

Risk-Based Capital

39.62%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate0.00%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$431M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20232100%0.00%
20221,50260.12%6.99%
20212,85362.6%6.45%
20202,66061.17%8.72%
20192,15563.99%7.38%
201881859.66%5.75%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 2008

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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