R Bank
Round Rock, Texas, Williamson County
$1.0B in total assets, the 1,039th largest of 4,309 US banks and 90th of 352 headquartered in Texas.
- FDIC certificate
- 58935
- Established
- 2009
- Owned by
- R Corp Financial
- Primary regulator
- FDIC
- Website
- www.r.bank
At a glance
Compared with 77 banks headquartered in Texas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.0B | 2% | $2.2B | |
| Loans | $770M | 14% | $1.3B | |
| Deposits | $926M | 5% | $1.8B | |
| Return on assets | 0.68% | 10% | 1.54% | |
| Net interest margin | 4.02% | 56% | 3.95% | |
| Efficiency ratio | 75.0% | 88% | 57.5% | |
| Equity to assets | 9.00% | 20% | 10.77% | |
| Loans to deposits | 83% | 56% | 80% |
Growth
Total assets grew 5.4% a year over the last 5 years and 9.9% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Oct 2015 | Schwertner State Bank Schwertner, TX | $42M |
| Aug 2013 | Farmers State Bank Bertram, TX | $29M |
Where they operate
9 branches in 5 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Williamson County, TX | $558M | 4.3% | 7 of 39 |
| Travis County, TX | $172M | 0.3% | 29 of 56 |
| Burnet County, TX | $117M | 7.1% | 6 of 15 |
| Jackson County, TX | $56M | 16.2% | 3 of 5 |
| Tarrant County, TX | $23M | 0.0% | 66 of 74 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 1 branch since 2016 (8 to 9, +12.5%). 4 opened, 0 acquired, 3 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 8 | |||
| 2019 | Opened Cedar Park | 1 | 0 | +1 | 9 |
| 2020 | Opened Fort Worth | 1 | 0 | +1 | 10 |
| 2021 | Opened Fort WorthClosed Fort Worth | 1 | 1 | 0 | 10 |
| 2023 | Opened GeorgetownClosed Georgetown | 1 | 1 | 0 | 10 |
| 2025 | Closed Schwertner | 0 | 1 | −1 | 9 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 43% | 38% | |
| 1-4 family residential | 21% | 20% | |
| Business (C&I) | 19% | 15% | |
| Construction and land | 9% | 13% | |
| Farmland | 4% | 3% | |
| Multifamily | 2% | 4% | |
| Agricultural | 1% | 1% | |
| Consumer | 0% | 2% | |
| Other | 0% | 4% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 42% | 48% | |
| Time deposits | 35% | 26% | |
| Noninterest-bearing | 23% | 26% |
Brokered deposits are 0.0% of deposits (peers 4.2%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.55% | 0.42% |
| Net charge-offs, annualized | 0.04% | 0.04% |
| Reserves to loans | 1.09% | 1.20% |
| Leverage ratio | 9.01% | 10.79% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Texas
Largest competitors in Williamson County, TX
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/r-bank-round-rock-tx