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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.05% | 2.00% | 1.76% | 2.04% | 1.90% | 1.83% | 1.70% | 1.75% | -29 bps | |
| Return on Equity | 20.38% | 19.47% | 16.89% | 18.93% | 17.43% | 16.40% | 15.07% | 15.41% | -352 bps | |
| Net Interest Margin | 4.77% | 4.74% | 4.57% | 4.72% | 4.77% | 4.75% | 4.64% | 4.75% | +3 bps | |
| Efficiency Ratio | 49.28% | 48.80% | 53.81% | 51.67% | 52.01% | 53.96% | 57.59% | 56.35% | +468 bps | |
| Non-Interest Burden | 2.10% | 2.13% | 2.25% | 2.24% | 2.29% | 2.40% | 2.49% | 2.50% | +26 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.81% | -2.69% | -0.55% | -3.80% | -0.64% | -2.97% | 1.70% | -0.52% | +328 bps | |
| Loan Growth (YoY) | 4.68% | 6.01% | 3.85% | 3.99% | 2.11% | -1.74% | -4.86% | -6.88% | -1,087 bps | |
| Deposit Growth (YoY) | 0.46% | -3.49% | -1.41% | -4.92% | -1.32% | -4.34% | 1.10% | -1.25% | +367 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.02% | 0.00% | 0.01% | 0.00% | 0.00% | 0.95% | 1.28% | 0.30% | +30 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.07% | 0.00% | -0.04% | 0.06% | 0.02% | 0.00% | 0.24% | +28 bps | |
| Allowance / Loans | 0.91% | 0.91% | 0.92% | 0.92% | 0.94% | 0.95% | 0.99% | 0.93% | +2 bps | |
| Allowance Coverage of NPLs | 50.0x | n/a | 92.0x | n/a | n/a | 1.0x | 0.8x | 3.2x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.13% | 11.22% | 11.66% | 11.64% | 11.95% | 12.05% | 12.04% | 12.29% | +65 bps | |
| Total Risk-Based Capital | 11.13% | 11.22% | 11.66% | 11.64% | 11.95% | 12.05% | 12.04% | 12.29% | +65 bps | |
| Equity / Assets | 10.13% | 10.39% | 10.48% | 11.07% | 10.70% | 11.63% | 10.98% | 11.72% | +64 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 57.58% | 61.16% | 60.08% | 63.82% | 59.58% | 62.82% | 56.54% | 60.18% | -364 bps | |
| Liquid Assets / Assets | 40.16% | 37.23% | 38.42% | 34.94% | 39.21% | 36.50% | 42.28% | 38.98% | +404 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 140.03% | 124.24% | 122.72% | n/a | n/a | |