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 1.31% above tier average
- + Non-Interest-Bearing Deposit Share 20.26% above tier average
- + Net Interest Margin 0.96% above tier average
- + Efficiency Ratio 30.03% below tier average
- + Delinquency Rate 0.07% 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
|
+$32.1M |
$62.3M
-0.5% YoY
|
$2.2B
+1.1% YoY
|
$6.2B
+9.0% YoY
|
Top 7.4% in tier |
| Total Loans ? |
$46.9M
-4.9% YoY
-4.0% QoQ
|
+$12.6M |
$34.3M
-1.5% YoY
|
$1.0B
+10.3% YoY
|
$3.2B
+10.7% YoY
|
72% |
| Total Deposits ? |
$83.8M
+1.1% YoY
+6.7% QoQ
|
+$32.0M |
$51.8M
-0.6% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.0% YoY
|
Top 3.9% in tier |
| Return on Assets ? |
2.17%
-3.3% YoY
-9.7% QoQ
|
+1.31% |
0.86%
-3.6% YoY
|
1.40%
+10.4% YoY
|
1.24%
+13.1% YoY
|
Top 7.6% in tier |
| Net Interest Margin ? |
4.83%
+2.9% YoY
-1.3% QoQ
|
+0.96% |
3.87%
+2.7% YoY
|
4.02%
+2.6% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
57.59%
+7.0% YoY
+9.0% QoQ
|
-30.03% |
87.63%
+2.3% YoY
|
63.21%
-2.3% YoY
|
66.84%
-3.8% YoY
|
80% |
| Delinquency Rate ? |
1.29%
+34.3% QoQ
|
-0.07% |
1.36%
+33.7% YoY
|
0.96%
+37.0% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
55.98%
-6.0% YoY
-10.0% QoQ
|
-8.13% |
64.11%
-0.9% YoY
|
67.20%
-0.8% YoY
|
76.69%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
44.04%
-1.8% YoY
+1.5% QoQ
|
+20.26% |
23.79%
+0.5% YoY
|
29.01%
-1.0% YoY
|
22.01%
-1.1% YoY
|
Top 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.64%
+21.7% QoQ
|
-0.13% |
0.77%
+28.7% YoY
|
0.62%
+32.0% YoY
|
0.66%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
12.04%
+3.3% YoY
-0.1% QoQ
|
-14.73% |
26.77%
+2.0% YoY
|
18.06%
+0.0% YoY
|
17.06%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.10%
-8.2% YoY
-75.0% QoQ
|
-0.57% |
0.67%
+1.6% YoY
|
0.20%
+4.1% YoY
|
0.32%
+4.0% 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.