Bandera, TX · Cert 26653 · Bandera Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · San Antonio-New Braunfels, TX · 2026 SOD (annual) · 0.0% share · #48 of 66 inst. · $0.1B of $175.0B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.91% | 1.89% | 1.89% | 1.70% | 1.74% | -17 bps | |
| Return on Equity | 17.91% | 17.73% | 17.45% | 15.07% | 15.22% | -269 bps | |
| Net Interest Margin | 4.60% | 4.71% | 4.72% | 4.64% | 4.73% | +12 bps | |
| Efficiency Ratio | 52.72% | 52.48% | 52.85% | 57.59% | 56.97% | +425 bps | |
| Non-Interest Burden | 2.22% | 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 / Loans | 0.00% | 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 / Loans | 0.92% | 0.94% | 0.95% | 0.99% | 0.93% | +2 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 1.0x | 0.8x | 3.2x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 11.64% | 11.95% | 12.05% | 12.04% | 12.29% | +65 bps | |
| Total Risk-Based Capital | 11.64% | 11.95% | 12.05% | 12.04% | 12.29% | +65 bps | |
| Equity / Assets | 11.07% | 10.70% | 11.63% | 10.98% | 11.72% | +64 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 63.82% | 59.58% | 62.82% | 56.54% | 60.18% | -364 bps | |
| Liquid Assets / Assets | 34.94% | 39.21% | 36.50% | 42.28% | 38.98% | +404 bps | |
| CRE / Total Capital | n/a | 140.03% | 124.24% | 122.72% | n/a | n/a | |