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
Unfavorable gap of $2.3M · efficiency ratio beats 67% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.77% | 0.87% | 1.20% | 1.65% | Beats 83% | 35 / 211 | | |
| Return on Equity | 15.13% | 7.52% | 11.67% | 14.58% | Beats 79% | 45 / 211 | | |
| Net Interest Margin | 4.73% | 3.28% | 3.82% | 4.31% | Beats 89% | 24 / 211 | | |
| Efficiency Ratio | 56.97% | 53.01% | 64.18% | 73.65% | Beats 67% | 70 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.30% | 0.01% | 0.30% | 1.10% | Beats 50% | 105 / 208 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.06% | Beats 25% | 158 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 12.29% | 11.72% | 14.45% | 19.57% | Beats 32% | 143 / 211 | | |
| Total Risk-Based Capital Ratio | 12.29% | 11.94% | 14.78% | 20.30% | Beats 32% | 144 / 211 | | |
| Equity / Assets | 11.72% | 9.41% | 11.06% | 12.94% | Beats 57% | 91 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 60.18% | 45.39% | 66.56% | 82.03% | 37th pctl | 132 / 208 | | |
| Loans / Assets | 52.98% | 39.13% | 56.90% | 70.46% | 39th pctl | 129 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |