Austin Capital Bank SSB
Austin, TX·RSSD 3347911·FDIC 58082·bank:3347911·Risk-based ratios where reported
- #181 of 352Total assets in Texas
- 15offices
- 80employees
- Top 1%Net interest margin vs. peers
- Top 2%Cost of deposits vs. peers
- Top 2%Lowest cost of deposits in the U.S.
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Austin Capital Bank SSB
7 of 24 FORFI signals stand out against 1437 similar banks, based on FDIC data for the quarter.
Deposits shrinking while the peer median growsWorth a look: Funding 2nd quarter-28.4%peers +4.3%-32.7 pp
Austin Capital Bank SSB's deposits declined 28.4% over the past year to $308 million. The median among 1435 similar banks was +4.3%.
| This institution | Peer median | Difference |
|---|---|---|
| Deposits, 12-month growth | ||
| -28.4% | +4.3% | -32.7 pp |
| Deposits | ||
| $308 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Austin Capital Bank SSB itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending 2nd quarter-22.5%peers +5.5%-28.1 pp
Austin Capital Bank SSB's loans declined 22.5% over the past year to $341 million. The median among 1431 similar banks was +5.5%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -22.5% | +5.5% | -28.1 pp |
| Loans | ||
| $341 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Austin Capital Bank SSB itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital10.22%peers 10.81%-0.6 pp
Austin Capital Bank SSB's leverage ratio rose 2.5 percentage points over the past year to 10.22%. Among 1437 similar banks, the median rose 0.2 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 10.22% | 10.81% | -0.6 pp |
| 12-month change | ||
| +2.5 pp | +0.2 pp | +2.2 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Austin Capital Bank SSB itself is left out of every peer median and percentile. How signals work
Fee and other noninterest income among the highest of similar banksStrength: Earnings 2nd quarter2.27%peers 0.45%+183 bps
Austin Capital Bank SSB's noninterest income relative to average assets was 2.27%, compared with a median of 0.45% among 1434 similar banks: higher than 96% of them.
| This institution | Peer median | Difference |
|---|---|---|
| Noninterest income relative to average assets | ||
| 2.27% | 0.45% | +183 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Austin Capital Bank SSB itself is left out of every peer median and percentile. How signals work
3 more observations
- Deposit costs among the lowest of similar banksFunding
- Deposit costs falling faster than peersFunding
- Borrowed funding rising while the peer median holds steadyFunding
Key facts
- Austin Capital Bank SSB is a bank headquartered in Austin, Texas. It reported $395 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $308 million, down 28.4% from a year earlier, and loans totaled $341 million, down 22.5%.
- Its net interest margin was 6.86% and its annualized return on assets was 1.16% for the quarter.
- Its cost of all deposits was 0.60%, compared with a median of 1.80% among 1432 similar banks with $300 million to $1 billion in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Austin Capital Bank SSB's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Austin Capital Bank SSB · Bank
- Federal Reserve RSSD
- 3347911
- FDIC certificate
- 58082
- Reporting period
- Peer group
- 1437 banks with $300 million to $1 billion in assets that filed FDIC data for the same quarter. Austin Capital Bank SSB itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $1.19M | — | |
| $7.49M | — | |
| $888K | — | |
| $6.6M | — | |
| $2.32M | — | |
| $7.53M | — | |
| $0 | — | |
| $0 | — | |
| 1.16% | 1.16%ROAQ · Quarter | |
| 6.86% | 6.84%NIMYQ · Quarter | |
| 84.41% | 84.41%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.