This institution is no longer active

Operations ceased on February 1, 2026. CRA examination history below reflects the period it was active.

KEYSTONE BANK, SSB

AUSTIN, TX · Supervised by FDIC

Est. 1997FDIC #34,456RSSD: FDIC-34456

Part ofKEYSTONE BANCSHARES INC→ View all charters

Satisfactory

Current rating · Exam: June 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.73%

Institution Profile

FDIC BankFind

Address

13715 E Ladera Blvd, AUSTIN, TX

County

Travis County

Established

April 1, 1997

Total Assets

$1.0B(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

June 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jun 2027(based on asset size)

Financial Snapshot

As of Q4 2025Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$865M

Net Loans

$807M

Net Income

$7M

ROA

0.73%

ROE

7.35%

Risk-Based Capital

12.96%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate19.44%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$868M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	36	44.44%	19.44%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

This is the only examination on record for this bank.

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