Roscoe State Bank

What Roscoe State Bank does

Roscoe State Bank, operating under the trade name Roscoe Bank, is a state-chartered community bank founded on December 6, 1906 in Roscoe, Texas. Since 2022 it has operated as a division of Cornerstone Capital Bank, SSB (NMLS ID# 2258), following a merger with Cornerstone Home Lending that added a mortgage origination division. The bank serves personal and business customers across three Texas counties — Nolan, Fisher, and Bastrop — through branch locations in Roscoe (headquarters, opened 1963 at 117 Cypress St), Sweetwater (opened September 1996), and Bastrop (opened June 2004).

Core products fall into two lines: Personal Banking (Free Checking, Interest Checking, Basic Savings, Money Market, debit cards, personal loans, auto and RV loans, home equity, mortgages, credit cards) and Business Banking (Business Checking, Business Interest Checking, Analysis Checking, Business Savings, Business Money Market, business debit cards). Add-on modules include Cash Management (Mobile Remote Deposit Capture, ACH, wire transfers, Positive Pay fraud protection, Bill Pay), Mortgages via the Cornerstone Home Lending partnership, Business Lending (Agri-Business, Commercial Real Estate, Equipment Financing, Cash Flow Lines of Credit, Business Auto), Merchant Services, Credit Cards (Visa/Mastercard via TIB partnership), and Community Development programs targeting low-to-moderate income communities. Technology is built on a conventional community banking platform: a Malauzai-based mobile banking app (iOS ID 6749386562, Android com.malauzai.DH2032095), CZ-secure online banking portals for personal and business, and a separate Cornerstone Capital commercial banking portal.

The revenue model is transaction-fee based across multiple streams: net interest income from personal, auto, home equity, mortgage, business, commercial real estate, and agricultural lending; tiered deposit account fees (e.g., Interest Checking $3, Money Market $8, Business Interest Checking $8 monthly service charges below balance thresholds); merchant services payment processing; and subscription-like recurring CD and IRA products. The go-to-market motion is community-led: local staff who live in the served communities drive acquisition through personal relationships, supported by Instagram (@MyRoscoeBank) and Facebook (@RoscoeBankTX) channels for community engagement and the 120th anniversary #Roscoe120GiveBack campaign, with the corporate website (rsb.bank) as the primary digital marketing channel. The bank operates with 11-50 employees and emphasizes local decision-making authority, extended branch hours, and same-day credit on deposits until 6pm as differentiating service features.

Name

Roscoe State Bank

Legal name

Cornerstone Capital Bank, SSB

Website

https://rsb.bank

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

11–50 employees

Short description

Roscoe State Bank, operating as Roscoe Bank (a division of Cornerstone Capital Bank, SSB since the 2022 merger with Cornerstone Home Lending), is a 120-year-old Texas community bank serving personal and business customers across Nolan, Fisher, and Bastrop counties through three branches and digital banking channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industry

SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.) (FSABABAI)

Keywords

• Community banking services
• Personal banking accounts
• Business banking solutions
• Agricultural lending
• Commercial real estate loans

Headquarters

HQ city

Roscoe

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Supply Chain

Revenue model

1. Interest Income from Lending: Traditional bank lending revenue from personal loans, auto loans, home equity loans, mortgages, business loans, commercial real estate, and agricultural loans. Interest rates are tiered based on balance levels and account types.
2. Deposit Account Fees: Monthly service charges for certain account types when minimum balance thresholds are not maintained. Fee schedules vary by account type (Free Checking $0, Interest Checking $3, Basic Savings $3, Money Market $8).
3. Business Account Services: Analysis checking accounts with earnings credit to offset fees, cash management services including merchant services for payment processing
4. Merchant Services: Payment processing for debit, credit, chip card, and mobile wallet transactions with fraud prevention and data security tools
5. Certificate of Deposit and IRA Products: Time deposits with fixed rates for various terms, Individual Retirement Accounts

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

Roscoe State Bank is a Texas state-chartered community bank providing personal and business deposit accounts (checking, savings, money market, CDs, IRAs), consumer and commercial lending (personal loans, auto, home equity, mortgages, agri-business, commercial real estate, equipment financing), cash management, merchant services, and credit cards through three branches in Roscoe, Sweetwater, and Bastrop. It operates as a division of Cornerstone Capital Bank, SSB following a 2022 merger with Cornerstone Home Lending, and competes on local relationships, personalized service, and FDIC-insured trust since 1906.

Product overview

Roscoe State Bank offers a comprehensive banking platform with two core product lines: Personal Banking and Business Banking, complemented by specialized add-on services. The core Personal Banking includes Free Checking, Interest Checking, Basic Savings, and Money Market accounts with online/mobile banking, mobile deposit, and debit cards supporting Apple Pay, Google Pay, and Samsung Pay. Core Business Banking encompasses Business Checking, Business Interest Checking, Analysis Checking, Business Savings, and Business Money Market accounts. Key add-on modules include Cash Management (with ACH, wire transfers, Remote Deposit Capture, Positive Pay, and merchant services), Mortgages (via Cornerstone Home Lending partnership), Business Lending (Agri-Business, Commercial Real Estate, Equipment Financing), Personal Loans (Auto, RV, Home Equity), Credit Cards (Visa and Mastercard via TIB partnership), and Community Development programs. The bank operates as a division of Cornerstone Capital Bank, SSB, with physical locations in Roscoe, Sweetwater, and Bastrop, Texas.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Checking and Savings Accounts Personal deposit accounts including Free Checking ($0 monthly fee, no minimum balance), Interest Checking ($3 monthly fee waived with $1,500 minimum, 0.25% APY), Basic Savings ($200 minimum to avoid $3 fee, 0.30% APY), and Money Market (tiered APY from 0.00% to 2.25%, $2,500 minimum to avoid $8 fee). Designed for individual consumers managing daily finances, savings, and personal banking needs.
• Certificate of Deposit and IRA Products Time deposits with fixed rates for various terms and Individual Retirement Accounts (IRAs) for retirement planning. Available to personal banking customers seeking fixed-rate savings and tax-advantaged retirement vehicles.
• Online and Mobile Banking Online banking portal and iOS/Android mobile app enabling balance checking, bill payment, mobile deposit, credit score monitoring, account alerts, and check ordering. Available to personal and business banking customers.
• Personal Visa Debit Card with Mobile Wallet Support Personal Visa debit card with Tap to Pay chip technology, online spending tracking, and mobile wallet integration supporting Apple Pay, Google Pay, and Samsung Pay. Provides fee-free access to over 55,000 ATMs worldwide through the Allpoint Network. Available to personal banking customers.
• Personal Loans Personal loan products including Personal Loans, Auto and RV Loans, and Home Equity Loans. Designed for individual consumers financing major purchases, vehicles, or leveraging home equity for life's biggest moments.
• Mortgages Mortgage lending services provided through the Cornerstone Home Lending partnership, including primary residences and vacation homes, FHA, VA, conventional, and specialty loan programs, plus new construction and renovation loans. Available to personal banking customers.
• Business Banking Accounts Business deposit accounts including Business Checking ($0 monthly fee, free business checking), Business Interest Checking ($8 monthly fee waived with $3,000 minimum, interest paid on all balances), Analysis Checking (fees may be offset with earnings credit), Business Savings (interest-bearing, 6 free withdrawals per month), and Business Money Market (tiered interest rates). Designed for small to medium-sized businesses and agricultural operations.
• Cash Management Comprehensive cash management platform offering online and mobile banking access, Mobile Remote Deposit Capture, Bill Pay, Remote Deposit Capture, ACH processing, wire transfers, and Positive Pay fraud protection services. Designed for business banking customers managing cash flow, payroll, and vendor payments.
• Business Lending Business financing solutions including Agri-Business loans, Commercial Real Estate financing, Cash Flow Lines of Credit, Equipment Financing, and Business Auto loans. Designed for small to medium-sized businesses, agricultural operations, and commercial enterprises in Texas.
• Credit Cards Visa and Mastercard credit card products for both personal and business customers, offering competitive benefits and advanced security protection. Personal cards provided through the TIB partnership and business credit cards also available.
• Merchant Services Payment processing services enabling businesses to accept debit, credit, chip card, and mobile wallet payments with fraud prevention and data security tools. Designed for business banking customers needing point-of-sale and payment acceptance capabilities.
• Community Development Programs Community reinvestment programs supporting affordable housing, community services, economic development, and revitalization/stabilization initiatives in low- and moderate-income communities in Bastrop, Fisher, and Nolan counties. Includes the $100,000 Revolving Loan Fund partnership with Bastrop EDC and other community initiatives.

Named customers10 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature6 records

Partnerships

Twelve partnerships are on record, tiered core and minor.

• Bastrop Economic Development Corporation (BEDC)coreStrategic or Co-development Partner · 1 November 2022$100,000 committed over 5 years for Revolving Loan Fund (RLF) partnership to support economic development in Bastrop County. Provides low-interest loans to qualifying small businesses.
• Bastrop County Long Term Recovery TeamcoreStrategic or Co-development Partner · 1 November 2022$50,000 presented in November 2022 for Mortgage Assistance Program providing support for families affected by COVID-19, 2021 winter storm, and tornadoes in Elgin.
• Cornerstone Capital Bank, SSBcoreStrategic or Co-development Partner · 1 January 2022Merger completed in 2022 combining Roscoe State Bank with Cornerstone Home Lending to form Cornerstone Capital Bank, SSB. NMLS ID# 2258. Enhances product offerings, service capabilities, and technology investments.
• Allpoint NetworkcoreTechnology or IntegrationATM network partnership providing over 55,000 free ATMs worldwide for Roscoe Bank customers.
• Cornerstone Home LendingcoreStrategic or Co-development PartnerPartner entity in 2022 merger that formed Cornerstone Capital Bank, SSB. Operates as separate division providing mortgage lending services.
• MyCorporationminorGTM or Marketing PartnerReferral partner for EIN Tax ID services and business incorporation services from the business accounts page.
• IC3 (Internet Crime Complaint Center)minorOthersReferenced security education resource for Corporate Account Takeover prevention and awareness. IC3 is a partnership between the FBI and the National White Collar Crime Center.
• NACHAminorOthersReferenced for fraud resource center providing education about ACH and electronic payment fraud.
• Bastrop County Board of RealtorscoreStrategic or Co-development Partner$50,000 committed to support scholarships for local high school students through the Board's Education Foundation.
• Bastrop Education Fund (BEC)coreStrategic or Co-development PartnerFunds Instructional Innovation Grants in reading, math, and science. Supports BEC's mission to enrich teaching and inspire learning in Bastrop ISD.
• Bastrop County Emergency Food PantrycoreStrategic or Co-development PartnerSupporting Comprehensive Capital Campaign including demolition of aging structures, construction of 9,200-square-foot Food & Nutrition Support Center, and remodeling Fayette Street location into Community Nutrition Education Center.
• TIBminorStrategic or Co-development PartnerCredit card partnership providing Visa and Mastercard options with competitive benefits and advanced fraud protection for personal credit cards.

Scale indicators5 records

Recent moves10 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/share/1EgKYjkaij/?mibextid=wwXIfr
• Instagraminstagram.com/myroscoebank?igsh=MmwzdzJsMjBxb2s5
• Xx.com/roscoestatebank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Roscoe State Bank