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Bandera First State Bank

Bandera, TX · Cert 58932

FDIC · 4 branches

Q3 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2020, the quarter ended September 30, 2020, on both parts.

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

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

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 2026-10-10

Bandera First State Bank

Bandera, TX · Cert 58932

FDIC · 4 branches

Q3 2020

$199.2MAssets
$180.7MLoans
$181.0MDeposits
$17.2MEquity
Loan mix
58%RE $89.5M41%C&I $62.2M1%Consumer $1.6MQ3 2019Q3 2020
Deposit mix
77%Interest-bearing $139.3M23%Noninterest $41.6MQ3 2019Q3 2020

NIM

4.27%Q3 ’184.61%Q3 ’194.01%Q3 ’20+2%-8%

Non-interest income vs. expense

2.93%Q3 ’183.11%Q3 ’192.49%Q3 ’20+7%-28%

Market Position · San Antonio-New Braunfels, TX · 2020 SOD (annual) · 0.1% share · #44 of 61 inst. · $0.1B of $141.7B

6.8% Kerr
25.2% Bandera
0.1% Gillespie

Executive Summary

  • Earnings: ROA of 1.09%, up 23 bps year over year; NIM at 3.42%.
  • Asset quality: problem loans at 0.10% of loans (+10 bps YoY), with net charge-offs at 0.02%.
  • Capital: tier 1 leverage ratio of 8.65%, down 126 bps from a year ago.
  • Funding: loans stand at 99.87% of deposits as of Q3 2020.

Financial Results

Return on Assets (YTD, annualized)

1.09%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.42%-28 bps YoY

Efficiency Ratio (YTD, annualized)

60.55%-1,165 bps YoY

Tier 1 Leverage Ratio

8.65%-126 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2019Q4 2019Q1 2020Q2 2020Q3 2020YoY ΔTrend
Earnings
Return on Assets0.86%0.90%0.84%0.81%1.09%+23 bps
Return on Equity8.90%9.44%9.11%9.21%12.40%+350 bps
Net Interest Margin3.70%3.64%3.65%3.29%3.42%-28 bps
Efficiency Ratio72.20%70.45%72.57%60.72%60.55%-1,165 bps
Non-Interest Burden2.51%2.38%2.45%1.76%1.80%-71 bps
Growth
Asset Growth (YoY)14.48%12.76%14.28%31.49%29.87%+1,539 bps
Loan Growth (YoY)25.51%19.73%11.53%39.47%41.18%+1,567 bps
Deposit Growth (YoY)14.55%12.74%14.63%33.10%31.78%+1,723 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.14%0.10%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.02%+2 bps
Allowance / Loans0.86%0.90%0.95%1.00%0.93%+7 bps
Allowance Coverage of NPLsn/an/an/a6.9x9.8xn/a
Capital
Tier 1 Leverage Ratio9.91%9.69%9.50%8.50%8.65%-126 bps
Total Risk-Based Capital12.52%12.50%9.50%8.50%8.65%-387 bps
Equity / Assets9.96%9.16%9.33%8.15%8.62%-135 bps
Liquidity & Funding
Loans / Deposits93.22%84.67%82.48%94.00%99.87%+665 bps
Liquid Assets / Assets7.91%15.09%16.84%2.52%0.91%-701 bps
CRE / Total Capitaln/an/an/an/an/an/an/a