Bandera Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 3.65 percentage points higher than in Q1 2026, at 60.18%. Bandera Bank ranks 247th of 346 Texas banks on loan-to-deposit ratio, in the lower half at 60.18% (Q2 2026). The median for banks in the < $100M asset tier is 67.32% on loan-to-deposit ratio. Bandera Bank sits 7.14 points lower, at 60.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $47.3M |
| Net loans and leases | $46.9M |
| Loans held for sale | $0 |
| Loans to total assets | 52.98% |
| Loan-to-deposit ratio | 60.18% |
| Net loans to equity capital | 4.48% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 18.88% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.31% |
| Consumer | 7.48% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.12% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 89.76% |
| Construction concentration (Tier 1 capital + allowance) | 51.63% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.40% |
| Interest income on loans | $877K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $47.2M | $85.5M | 22.20% | 4.44% | 7.72% |
| Q4 2023 | $47.3M | $85.0M | 22.15% | 4.38% | 7.56% |
| Q1 2024 | $47.9M | $84.1M | 14.77% | 4.76% | 7.15% |
| Q2 2024 | $48.8M | $83.7M | 15.19% | 6.85% | 6.68% |
| Q3 2024 | $49.4M | $85.9M | 13.64% | 7.06% | 5.92% |
| Q4 2024 | $50.2M | $82.1M | 14.20% | 7.34% | 6.55% |
| Q1 2025 | $49.8M | $82.9M | 13.69% | 7.06% | 7.06% |
| Q2 2025 | $50.8M | $79.6M | 14.46% | 6.68% | 6.54% |
| Q3 2025 | $50.5M | $84.7M | 15.00% | 6.86% | 6.69% |
| Q4 2025 | $49.3M | $78.5M | 15.38% | 6.20% | 7.08% |
| Q1 2026 | $47.4M | $83.8M | 16.28% | 6.87% | 7.11% |
| Q2 2026 | $47.3M | $78.6M | 18.88% | 7.31% | 7.48% |
Bandera Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bandera Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Bandera Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 26653) · FFIEC NIC profile (RSSD 78157)