Vitals
  • Total Assets
    255.2M 6.7 %
  • Total Deposits
    218.2M 6.5 %
  • Total Net Loans
    177.4M 10.8 %
  • Net Income
    2.0M -0.4 %
  • Book Value
    28.7M 8.7 %
  • Book Value x2
    57.5M 8.7 %
  • Book Value x3
    86.2M 8.7 %
ROAA

1.069

ROAE

9.712

Efficiency Ratio

62.66

Net Interest Margin

3.821

Balance Sheet Highlights
Financial Highlights Keystone Bank All Insured Commercial Banks in Alabama
Balance Sheet $(000)
Total Assets 255,180 242,349
Total Net Loans 177,360 140,191
Total Deposits 218,166 203,904
Total Equity 28,748 29,113
Profitability
Net Income 2,025 1,711
Return on Average Assets 1.069 .84
Return on Average Equity 9.712 6.964
Net Interest Margin 3.821 3.873
Efficiency Ratio 62.66 70.457
Noninterest Income/Revenue 16.95 14.708
Balance Sheet Ratios
Loan-to-Deposit 81.296 65.124
Securities/Assets .143 .25
Total Equity/Total Assets .113 .12
Tangible Equity/Tangible Assets .113 .118
Capital Adequacy
Tier 1 Common Capital 28,597 27,816
Tier 1 Capital 28,597 27,862
Tier 2 Capital 2,524 1,814
Total Capital 31,121 29,713
Total Risk Weighted Assets 201,932 163,821
Leverage Ratio 11.09 11.844
Common Equity Tier 1 Capital Ratio 14.16 19.109
Tier 1 Capital Ratio 14.16 19.136
Total Capital Ratio 15.41 20.252

Timeline for Keystone Bank

River Bank & Trust

Keystone Bank was acquired by River Bank & Trust 8 years

View Profile Jan 01 2016

Keystone Bancshares, Inc.

Keystone Bancshares, Inc. became a new parent organization for Keystone Bank.

View Profile Oct 01 2013

Keystone Bank

Keystone Bank was established 17 years ago and is currently headquartered in Auburn, AL.

Mar 02 2007
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
River Bank & Trust Buyer 766,495 Acquisition Discontinued 1/1/2016
Relationships Role Relationship Start Relationship End
Keystone Bancshares, Inc. Parent 12/31/2013 12/31/2015
Keystone Bancshares, Inc. Parent 10/1/2013 12/30/2013
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