Bandera Bank
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Data as of · sourced from FFIEC call reports. How we update
Bandera Bank is an FDIC-insured commercial bank headquartered in Bandera, TX, established in 1986 (FDIC certificate 26653), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $89.3M, down 0.5% from Q2 2025, the 313th largest of 346 banks headquartered in Texas. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.29% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 26653
- Headquarters
- Bandera, TX
- Established
- 1986
- Total assets, Q2 2026
- $89.3M
- Assets vs Q2 2025
- -0.5%
- Tier 1 leverage ratio, Q2 2026
- 12.29%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 114918305
- Holding company
- BANDERA BANCSHARES, INC.
- Asset rank in state
- 313th of 346 in Texas
Bandera Bank is one of the more profitable banks of its size. Its balance sheet stood at $89 million at June 30, 2026; it is based in Bandera, Texas. It returns 19.6% a year on shareholders' equity, about double the median of 8.6% for the 583 banks with less than $100 million in assets. It also pays an average of 0.72% on its deposits and borrowings, about half the median of 1.53% for banks its size. Much of that comes from cost control: it spends about 56 cents to bring in each dollar of revenue.
The balance sheet shrank over the year: over the year loans fell 6.9% and deposits fell 1.3%. Problem loans have appeared where there were almost none: loans on nonaccrual or 90 or more days past due, net of government guarantees now equal 0.30% of loans. Concentration is the risk to watch: it holds commercial real estate loans worth 0.9 times its capital, 3.4 times the median of 26% for banks its size.
As of June 30, 2026, Bandera Bank reported a return on assets of 2.24%, a nonperforming-loan ratio of 0.30% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Bandera Bank is the 313th largest of the 346 banks headquartered in Texas. Between Q1 2026 and Q2 2026, its total assets fell 5.5% to $89.3M, loans fell 0.1% and deposits fell 6.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 53.3% of total loans, followed by construction and land development loans at 12.7%. The FDIC Summary of Deposits lists a single office for it, in Bandera, TX. On its Q2 2026 call report, Bandera Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 207 Main Street, Bandera, TX 78003
- County
- Bandera
- Metro Area
- San Antonio-New Braunfels, TX
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 24, 1986
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $78.6M
- Allowance for credit losses
- $442K
- Net charge-offs (YTD)
- $28K
- Average total assets
- $91.2M
- Average total loans
- $47.4M
- Average interest-bearing deposits
- $45.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 24, 1986
- FDIC Cert
- 26653
- Fed RSSD
- 78157
- Website
- www.banderabank.com →
- Parent Holding Company
- BANDERA BANCSHARES, INC. (RSSD 1139671)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bandera Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bandera Bank's total assets ranged from $89.1M (Q4 2025) to $95.8M (Q3 2024), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$89.3M total assets against $89.7M; $78.8M total liabilities against $79.8M.
$46.9M net loans and leases against $50.3M; $78.6M total deposits against $79.6M.
$18.4M securities against $17.7M; $22.8M cash and balances due against $20.4M.
$1.2M total interest income against $1.3M; $147K total interest expense against $167K.
$1.1M net interest income against $1.1M.
$90K total noninterest income against $95K; $661K total noninterest expense against $619K.
$1K provision for credit losses against -$13K.
$511K net income against $592K.
2.24% return on assets against 2.53%; 4.90% net interest margin against 4.86%.
12.29% tier 1 leverage ratio against 11.64%.
Inside the full Bandera Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.15% (Q1 2026) to 2.59% (Q3 2024) and its net interest margin ran from 4.70% (Q1 2025) to 4.91% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.29% | 2.24% | 0.30% | 1.28% | 4.90% |
| Q1 2026 | 12.04% | 2.15% | 1.28% | 5.59% | 4.78% |
| Q4 2025 | 12.05% | 2.32% | 0.95% | 4.34% | 4.89% |
| Q3 2025 | 11.95% | 2.42% | 0.00% | 0.00% | 4.91% |
| Q2 2025 | 11.64% | 2.53% | 0.00% | 0.00% | 4.86% |
| Q1 2025 | 11.66% | 2.25% | 0.01% | 0.05% | 4.70% |
| Q4 2024 | 11.22% | 2.50% | 0.00% | 0.00% | 4.87% |
| Q3 2024 | 11.13% | 2.59% | 0.02% | 0.09% | 4.90% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bandera Bank (main office) | Bandera , TX | 78003 | $78.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 25, 1986 | Structure Change | Acquired The First National Bank of Bandera Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| April 24, 1986 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 387 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bandera Bank
What are Bandera Bank's total assets?
As of the Q2 2026 filing, Bandera Bank reported total assets of $89.3 million in its FFIEC call report.
Where is Bandera Bank headquartered?
It is headquartered in Bandera, TX, United States.
When was Bandera Bank founded?
It was established in 1986, per the FDIC institution directory.
Is Bandera Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #26653). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bandera Bank?
Bandera Bank's primary federal regulator is the FDIC.
How many branches does Bandera Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bandera Bank's Texas Ratio?
Its Texas Ratio is 1.28% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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