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Bandera Bank
Bandera, TX · FDIC Certificate #26653 · Chartered 04/2
Total assets
$89.28M
Total deposits
$78.60M
Total equity
$10.46M
Net loans
$46.86M
Branches (offices)
1
Net income (YTD)
$1.01M
Rank: #3,755 of 4,213 U.S. banks by assets · #313 of 346 in Texas. Assets changed -0.5% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.22% |
| Return on equity | 19.39% |
| Net interest margin (YTD) | 4.90% |
| Equity to assets | 11.72% |
| Tier 1 leverage ratio | 12.29% |
| Uninsured deposits (share of deposits) | 9.1% |
| Noncurrent loans (share of loans) | 0.30% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 59.6% |
| Real estate loans (share of loans) | 85.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $40.17M | 85.7% | |
| Commercial & industrial | $3.46M | 7.4% | |
| Consumer / individual | $3.54M | 7.5% | |
| Construction & development | $6.02M | 12.8% | |
| Agricultural | $58.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $98.78M | $91.37M | $393.00K | $7.28M |
| Jun 2023 | $97.47M | $88.82M | $1.16M | $8.43M |
| Jun 2024 | $93.28M | $83.71M | $1.06M | $9.29M |
| Jun 2025 | $89.74M | $79.59M | $1.11M | $9.94M |
| Jun 2026 | $89.28M | $78.60M | $1.01M | $10.46M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $78.60M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $78.60M.
Similar-sized banks
Eureka Homestead ($89.36M) · Chambers State Bank ($89.16M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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