Guadalupe Bank
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Data as of · sourced from FFIEC call reports. How we update
Guadalupe Bank is an FDIC-insured commercial bank headquartered in Kerrville, TX, established in 2008 (FDIC certificate 58768), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $261.1M, up 10.5% from Q2 2025, the 231st largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 12.80% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 58768
- Headquarters
- Kerrville, TX
- Established
- 2008
- Total assets, Q2 2026
- $261.1M
- Assets vs Q2 2025
- +10.5%
- CET1 ratio, Q2 2026
- 12.80%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 114925864
- Latest call report
- Q2 2026, FFIEC 051 · Guadalupe Bank call report
- Holding company
- RELATIONSHIP FINANCIAL CORPORATION
- Asset rank in state
- 231st of 346 in Texas
Guadalupe Bank earns an unusually wide margin on its lending. Its balance sheet stood at $261 million at June 30, 2026, up 10.5% from a year earlier; it is based in Kerrville, Texas. It keeps 5.31 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 banks its size (median 2.6%).
Earnings fell sharply: quarterly net income of $667,000 was 47% below a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.5 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Guadalupe Bank reported a CET1 capital ratio of 12.80%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
Guadalupe Bank ranks as the 231st largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.0% to $261.1M, loans rose 9.3% and deposits rose 3.1%. 1-4 family residential loans made up 30.1% of its total loans on June 30, 2026, its largest category; next came farmland and other real estate loans at 18.0%. Its 2 offices in the FDIC Summary of Deposits are in Kerrville, TX and Fredericksburg, TX; its Kerrville office books 73% of its branch deposits. On its Q2 2026 call report, Guadalupe Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1309 Bandera Hwy, Kerrville, TX 78028
- County
- Kerr
- Metro Area
- Kerrville, 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
- March 17, 2008
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 39
- Domestic deposits
- $234.1M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $5K
- Average total assets
- $255.8M
- Average total loans
- $197.5M
- Average interest-bearing deposits
- $157.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 17, 2008
- FDIC Cert
- 58768
- Fed RSSD
- 3635551
- SEC CIK
- 1428272 → filed by RELATIONSHIP FINANCIAL CORPORATION
- Website
- www.guadalupebank.com →
- Parent Holding Company
- RELATIONSHIP FINANCIAL CORPORATION (RSSD 3635560)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Guadalupe Bank's total assets moved between a low of $234.0M (Q4 2024) and a high of $264.2M (Q3 2023) from Q3 2023 to Q2 2026, 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
$261.1M total assets against $236.4M; $235.7M total liabilities against $212.8M.
$200.8M net loans and leases against $180.9M; $234.1M total deposits against $206.8M.
$249K securities against $4.0M; $49.8M cash and balances due against $41.0M.
$3.9M total interest income against $3.6M; $677K total interest expense against $673K.
$3.3M net interest income against $2.9M.
$244K total noninterest income against $334K; $2.5M total noninterest expense against $1.7M.
$184K provision for credit losses against $0.
$667K net income against $1.3M.
1.04% return on assets against 2.13%; 5.31% net interest margin against 5.14%.
12.80% CET1 capital ratio against 13.77%; 9.93% tier 1 leverage ratio against 9.97%.
Inside the full Guadalupe Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Guadalupe Bank rankings
Its closest position to the top of a national ranking is 2,647 of 4,196, for total assets; its furthest is 3,500 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.04% (Q2 2026) to 2.17% (Q1 2025) and its net interest margin ran from 4.73% (Q3 2024) to 5.31% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.80% | 1.04% | 0.00% | 0.00% | 5.31% |
| Q1 2026 | 13.55% | 1.53% | 0.00% | 0.00% | 5.13% |
| Q4 2025 | 13.94% | 1.49% | 0.00% | 0.00% | 5.03% |
| Q3 2025 | 14.15% | 1.85% | 0.00% | 0.00% | 5.25% |
| Q2 2025 | 13.77% | 2.13% | 0.00% | 0.00% | 5.14% |
| Q1 2025 | 13.69% | 2.17% | 0.38% | 2.65% | 5.09% |
| Q4 2024 | 12.45% | 1.30% | 0.36% | 2.79% | 4.98% |
| Q3 2024 | 11.86% | 2.10% | 0.00% | 0.00% | 4.73% |
Swipe the table sideways to see every column.
Branch Network
View all 2 branches → 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 |
|---|---|---|---|
| Guadalupe Bank (main office) | Kerrville , TX | 78028 | $170.5M |
| Fredericksburg Branch | Fredericksburg , TX | 78624 | $63.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 278 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 Guadalupe Bank
What are Guadalupe Bank's total assets?
As of the Q2 2026 filing, Guadalupe Bank reported total assets of $261.1 million in its FFIEC call report.
Where is Guadalupe Bank headquartered?
It is headquartered in Kerrville, TX, United States.
When was Guadalupe Bank founded?
It was established in 2008, per the FDIC institution directory.
Is Guadalupe Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #58768). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Guadalupe Bank?
Guadalupe Bank's primary federal regulator is the FDIC.
What is Guadalupe Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.80% in its Q2 2026 call report, above regulatory requirements.
How many branches does Guadalupe Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Guadalupe Bank's Texas Ratio?
Its Texas Ratio is 0.00% 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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