Bandera Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bandera Bank of Bandera, TX against its peer group of 578 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.24% | 0.85% | +1.39% | 86th top |
| ROAE | 19.62% | 5.23% | +14.39% | 90th top |
| Net Interest Margin | 4.90% | 3.94% | +0.96% | 84th top |
| Efficiency Ratio | 56.22% | 76.13% | -19.91% | 78th top |
| PPNR / Avg Assets | 2.25% | — | — | 85th top |
| Yield on Earning Assets | 5.56% | 5.42% | +0.14% | 64th above |
| Cost of Funds | 0.72% | 1.69% | -0.97% | 90th top |
| Net Interest Spread | 4.27% | — | — | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.30% | 1.23% | -0.93% | 56th above |
| NPA / Total Assets | 0.16% | — | — | 51st above |
| NCO / Avg Loans | 0.24% | 0.11% | +0.13% | 9th bottom |
| ACL / Total Loans | 0.93% | — | — | 24th bottom |
| ACL / NPLs (Coverage) | 315.71% | — | — | 73rd above |
| Texas Ratio | 1.28% | 7.23% | -5.95% | 51st above |
| Provision / NCO | 3.57% | — | — | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.29% | 14.13% | -1.84% | 42nd below |
| Equity / Assets | 11.72% | 13.07% | -1.35% | 43rd below |
| TCE / Tangible Assets | 11.72% | — | — | 45th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 60.18% | 68.58% | -8.40% | 61st above |
| Core Deposit Ratio | 93.09% | 88.79% | +4.30% | 61st above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.52% | — | — | 26th below |
| Loan Growth (Y/Y) | -6.88% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | -1.25% | — | — | 25th below |
See Bandera Bank's peers by name
The 578 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bandera Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bandera Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Bandera Bank peer analysis.