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Guadalupe Bank
Kerrville, TX · FDIC Certificate #58768 · Chartered 03/1
Total assets
$261.12M
Total deposits
$234.10M
Total equity
$25.41M
Net loans
$200.75M
Branches (offices)
2
Net income (YTD)
$1.62M
Rank: #2,658 of 4,213 U.S. banks by assets · #231 of 346 in Texas. Assets changed 10.5% and deposits 13.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 12.91% |
| Net interest margin (YTD) | 5.26% |
| Equity to assets | 9.73% |
| Tier 1 leverage ratio | 9.93% |
| Uninsured deposits (share of deposits) | 22.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 85.8% |
| Real estate loans (share of loans) | 98.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $198.48M | 98.9% | |
| Commercial & industrial | $3.63M | 1.8% | |
| Consumer / individual | $670.00K | 0.3% | |
| Construction & development | $34.82M | 17.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $276.50M | $253.65M | $1.98M | $22.05M |
| Jun 2023 | $262.21M | $228.24M | $2.23M | $22.92M |
| Jun 2024 | $250.99M | $215.46M | $2.52M | $21.88M |
| Jun 2025 | $236.38M | $206.79M | $2.54M | $23.62M |
| Jun 2026 | $261.12M | $234.10M | $1.62M | $25.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $234.10M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $234.10M.
Similar-sized banks
Ab&T ($261.18M) · Grand Rapids State Bank ($261.06M)
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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