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Bandera Bank

Bandera, TX · Cert 26653 · Bandera Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

40

Q2 2024Q2 2026peer median (50)

Asset Quality

38

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

83

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bandera Bank

Bandera, TX · Cert 26653 · Bandera Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$89.3MAssets
$47.3MLoans
$78.6MDeposits
$10.5MEquity
Loan mix
86%RE $40.7M7%C&I $3.3M7%Consumer $3.4MQ2 2025Q2 2026
Deposit mix
57%Interest-bearing $44.5M43%Noninterest $34.1MQ2 2025Q2 2026

NIM

5.28%Q2 ’245.32%Q2 ’255.38%Q2 ’26+0%+3%

Non-interest income vs. expense

2.60%Q2 ’242.65%Q2 ’252.93%Q2 ’26+4%+13%

Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.0% share · #48 of 66 inst. · $0.1B of $175.0B

Executive Summary

  • Earnings: ROA of 1.74%, down 17 bps year over year; NIM at 4.73%.
  • Asset quality: problem loans at 0.30% of loans (+30 bps YoY), with net charge-offs at 0.12%.
  • Capital: tier 1 leverage ratio of 12.29%, up 65 bps from a year ago.
  • Funding: loans stand at 60.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.74%-17 bps YoY

Net Interest Margin (YTD, annualized)

4.73%+12 bps YoY

Efficiency Ratio (YTD, annualized)

56.97%+425 bps YoY

Tier 1 Leverage Ratio

12.29%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.91%1.89%1.89%1.70%1.74%-17 bps
Return on Equity17.91%17.73%17.45%15.07%15.22%-269 bps
Net Interest Margin4.60%4.71%4.72%4.64%4.73%+12 bps
Efficiency Ratio52.72%52.48%52.85%57.59%56.97%+425 bps
Non-Interest Burden2.22%2.27%2.30%2.49%2.51%+29 bps
Growth
Asset Growth (YoY)-3.80%-0.64%-2.97%1.70%-0.52%+328 bps
Loan Growth (YoY)3.99%2.11%-1.74%-4.86%-6.88%-1,087 bps
Deposit Growth (YoY)-4.92%-1.32%-4.34%1.10%-1.25%+367 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.95%1.28%0.30%+30 bps
Net Charge-Offs / Loans-0.02%0.01%0.01%0.00%0.12%+14 bps
Allowance / Loans0.92%0.94%0.95%0.99%0.93%+2 bps
Allowance Coverage of NPLsn/an/a1.0x0.8x3.2xn/a
Capital
Tier 1 Leverage Ratio11.64%11.95%12.05%12.04%12.29%+65 bps
Total Risk-Based Capital11.64%11.95%12.05%12.04%12.29%+65 bps
Equity / Assets11.07%10.70%11.63%10.98%11.72%+64 bps
Liquidity & Funding
Loans / Deposits63.82%59.58%62.82%56.54%60.18%-364 bps
Liquid Assets / Assets34.94%39.21%36.50%42.28%38.98%+404 bps
CRE / Total Capitaln/a140.03%124.24%122.72%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bandera Bank

Bandera, TX · Cert 26653 · Peer group: banks under $1B in assets in TX (n=208-211) · Bandera Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$89.3MAssets
$47.3MLoans
$78.6MDeposits
$10.5MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 89% of banks under $1B in assets in TX (rank 24 of 211).
  • Widest gap: net charge-offs / loans trails 75% of banks under $1B in assets in TX (rank 158 of 208).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.77%

Rank 35 of 211

Net Interest Margin

4.73%

Rank 24 of 211

Efficiency Ratio

56.97%

Rank 70 of 211

Equity / Assets

11.72%

Rank 91 of 211

Non-interest income vs. expense

$0.4M$2.7MINCOMEEXPENSE
Unfavorable gap of $2.3M · efficiency ratio beats 67% of banks under $1B in assets in TX
Bank 56.97%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.77%0.87%1.20%1.65%Beats 83%35 / 211
Return on Equity15.13%7.52%11.67%14.58%Beats 79%45 / 211
Net Interest Margin4.73%3.28%3.82%4.31%Beats 89%24 / 211
Efficiency Ratio56.97%53.01%64.18%73.65%Beats 67%70 / 211
Asset Quality
Nonperforming Loans / Loans0.30%0.01%0.30%1.10%Beats 50%105 / 208
Net Charge-Offs / Loans0.06%0.00%0.01%0.06%Beats 25%158 / 208
Capital
Tier 1 Capital Ratio12.29%11.72%14.45%19.57%Beats 32%143 / 211
Total Risk-Based Capital Ratio12.29%11.94%14.78%20.30%Beats 32%144 / 211
Equity / Assets11.72%9.41%11.06%12.94%Beats 57%91 / 211
Liquidity & Funding
Loans / Deposits60.18%45.39%66.56%82.03%37th pctl132 / 208
Loans / Assets52.98%39.13%56.90%70.46%39th pctl129 / 211
Brokered Deposits / Depositsn/aNot reported for this institution