BlastPoint's Banking Scorecard
Bandera Bank
Designations: ✓ Community bank
Bandera, TX
Bandera Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.33% above tier average
- + Non-Interest-Bearing Deposit Share 20.33% above tier average
- + Net Interest Margin 0.97% above tier average
- + Efficiency Ratio 30.75% below tier average
- + Delinquency Rate 0.08% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$94.4M
+1.7% YoY
+6.0% QoQ
|
+$32.3M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Top 7.4% in tier |
| Total Loans ? |
$46.9M
-4.9% YoY
-4.0% QoQ
|
+$12.7M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$83.8M
+1.1% YoY
+6.7% QoQ
|
+$32.0M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Top 3.9% in tier |
| Return on Assets ? |
2.17%
-3.3% YoY
-9.7% QoQ
|
+1.33% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 7.6% in tier |
| Net Interest Margin ? |
4.83%
+2.9% YoY
-1.3% QoQ
|
+0.97% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
57.59%
+7.0% YoY
+9.0% QoQ
|
-30.75% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
1.29%
+34.3% QoQ
|
-0.08% |
1.37%
+33.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
55.98%
-6.0% YoY
-10.0% QoQ
|
-8.24% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
44.04%
-1.8% YoY
+1.5% QoQ
|
+20.33% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.64%
+21.7% QoQ
|
-0.15% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
12.04%
+3.3% YoY
-0.1% QoQ
|
-14.64% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.10%
-8.2% YoY
-75.0% QoQ
|
-0.56% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
74% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.