Guadalupe Bank
Kerrville, TX · Cert 58768 · Peer group: banks under $1B in assets in TX (n=208-211) · Relationship Financial Corp.
State charter, non-member · FDIC · 2 branches
Q2 2026
$261.1MAssets
$203.0MLoans
$234.1MDeposits
$25.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: equity / assets trails 71% of banks under $1B in assets in TX (rank 150 of 211).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.24%
Rank 98 of 211
Net Interest Margin
4.94%
Rank 17 of 211
Efficiency Ratio
66.77%
Rank 127 of 211
Equity / Assets
9.73%
Rank 150 of 211
Non-interest income vs. expense
Unfavorable gap of $8.1M · efficiency ratio beats 40% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.87% | 1.20% | 1.65% | Beats 54% | 98 / 211 | |
| Return on Equity | 12.72% | 7.52% | 11.67% | 14.58% | Beats 59% | 86 / 211 | |
| Net Interest Margin | 4.94% | 3.28% | 3.82% | 4.31% | Beats 92% | 17 / 211 | |
| Efficiency Ratio | 66.77% | 53.01% | 64.18% | 73.65% | Beats 40% | 127 / 211 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.06% | Beats 66% | 73 / 208 | |
| Capital |
| Tier 1 Capital Ratio | 12.80% | 11.72% | 14.45% | 19.57% | Beats 38% | 131 / 211 | |
| Total Risk-Based Capital Ratio | 13.94% | 11.94% | 14.78% | 20.30% | Beats 43% | 120 / 211 | |
| Equity / Assets | 9.73% | 9.41% | 11.06% | 12.94% | Beats 29% | 150 / 211 | |
| Liquidity & Funding |
| Loans / Deposits | 86.70% | 45.39% | 66.56% | 82.03% | 85th pctl | 32 / 208 | |
| Loans / Assets | 77.73% | 39.13% | 56.90% | 70.46% | 89th pctl | 23 / 211 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |