BlastPoint's Banking Scorecard
Bandera Bank
Designations: ✓ Community bank
Bandera, TX
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
- Deposits -1.3% year over year ($78.6M on the books).
- Delinquency rate 0.30%.
- Return on assets 2.22%.
- Efficiency ratio 56.97% vs a 119.40% peer average.
- Loan-to-deposit ratio 59.62% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bandera Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.22% above tier average
- + Non-Interest-Bearing Deposit Share 19.85% above tier average
- + Net Interest Margin 0.98% above tier average
- + Efficiency Ratio 62.42% below tier average
- + Delinquency Rate 1.18% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.3M
-0.5% YoY
-5.5% QoQ
|
+$26.8M |
$62.4M
-0.0% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
Top 14.6% in tier |
| Total Loans ? |
$46.9M
-6.9% YoY
-0.1% QoQ
|
+$12.0M |
$34.9M
-0.6% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$78.6M
-1.3% YoY
-6.2% QoQ
|
+$27.0M |
$51.6M
-0.2% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
Top 10.6% in tier |
| Return on Assets ? |
2.22%
-8.6% YoY
+2.3% QoQ
|
+1.22% |
1.00%
+3.5% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
Top 7.8% in tier |
| Net Interest Margin ? |
4.90%
+0.7% YoY
+1.5% QoQ
|
+0.98% |
3.91%
+2.3% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
85% |
| Efficiency Ratio ? |
56.97%
+8.1% YoY
-1.1% QoQ
|
-62.42% |
119.40%
+49.6% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.30%
-76.9% QoQ
|
-1.18% |
1.48%
+31.8% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
59.62%
-5.7% YoY
+6.5% QoQ
|
-14.59% |
74.21%
+12.6% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
43.34%
+0.8% YoY
-1.6% QoQ
|
+19.85% |
23.49%
+0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
Top 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.16%
-75.6% QoQ
|
-0.68% |
0.84%
+23.0% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
12.29%
+5.6% YoY
+2.0% QoQ
|
-14.84% |
27.13%
+3.0% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.21%
-5.5% YoY
+101.9% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
72% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
43.3%
+0.4pp YoY -0.7pp QoQ |
+18.7pp | 24.6% | 29.2% | 22.2% | 93% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.4%
+0.6pp YoY +0.4pp QoQ |
-6.0pp | 13.4% | 14.8% | 12.5% | 35% |
| CRE | n/a | n/a | 25.2% | 48.4% | 41.4% | n/a |
| 1-4 Family |
53.8%
-3.4pp YoY -3.7pp QoQ |
+18.9pp | 35.0% | 25.8% | 31.3% | 75% |
| Consumer |
7.5%
+0.9pp YoY +0.4pp QoQ |
-0.1pp | 7.7% | 4.7% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.7% | 19.7% | n/a |
| Leverage Ratio |
12.3%
+0.6pp YoY +0.2pp QoQ |
-5.4pp | 17.7% | 12.6% | 12.6% | 45% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
+1 (+6.2%) YoY 0 QoQ |
+5 | 12 | 186 | 482 | 81% |
| Assets per Employee ($) |
$5.3M
-6.4% YoY -5.5% QoQ |
-$936K | $6.2M | $10.1M | $8.8M | 40% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.3%
+0.2pp QoQ |
-1.4pp | 1.7% | 1.0% | 1.0% | 30% |
| Allowance Coverage |
3.16x
+307.9% QoQ |
-3.25x | 6.41x | 18.82x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY |
0.0pp | 0.2% | 0.1% | 0.2% | 72% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.4%
-3.4pp YoY +0.2pp QoQ |
+13.0pp | 6.4% | 13.2% | 11.6% | 93% |
| Cost of Funds (YTD) |
0.7%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.6% | 1.7% | 13% |
| Net Income ($, YTD) |
$1.0M
-9.1% YoY — QoQ |
+$690K | $317,817 | $15.9M | $40.4M | 96% |
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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.