BANDERA BANK

BANDERA, TX | Micro | Est. April 24, 1986, midnight | FDIC #26653 | RSSD #78157 | FDIC
Latest Report: 2025-12-31

BANDERA BANK is amn micro FDIC-insured commercial bank headquartered in BANDERA, TX, established in April 24, 1986, midnight. As of 2025-12-31, the bank reported total assets of $89M and total deposits of $79M. Profitability stands at 2.32% ROA and 20.79% ROE, with a net interest margin of 5.16%. The bank's CET1 capital ratio is 11.63%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #26653.

Assets

$89M

Deposits

$79M

Loans

$49M

Equity

$10M

Profitability

Return on Assets (ROA) 2.32%
Return on Equity (ROE) 20.79%
Net Interest Margin (NIM) 5.16%
Yield on Assets 5.95%
Cost of Funds 1.50%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 11.63%
Tier 1 Capital 11.63%
Total Capital Ratio 12.21%
Leverage Ratio 12.05%
Loan-to-Deposit 62.82%

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