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Guadalupe Bank

$100M-$1B Specialty: Commercial TX FDIC cert 58768

Kerrville, TX

2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
  • Deposits +13.2% year over year ($234.1M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.28%.
  • Efficiency ratio 66.77% vs a 64.48% peer average.
  • Loan-to-deposit ratio 85.75% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

Guadalupe Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Deposit Franchise: Top 43.5% in tier
  • + Delinquency Rate 0.92% below tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 20.2% in tier
  • - Efficiency Ratio 2.30% above tier average
Get updates when Guadalupe Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $261.1M
+10.5% YoY +3.0% QoQ
-$125.4M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $200.8M
+11.0% YoY +9.3% QoQ
-$57.6M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
48%
Total Deposits ? $234.1M
+13.2% YoY +3.1% QoQ
-$92.6M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
42%
Return on Assets ? 1.28%
-40.1% YoY -16.3% QoQ
-0.04% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
52%
Net Interest Margin ? 5.26%
+1.8% YoY +1.7% QoQ
+1.27% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 4.8% in tier
Efficiency Ratio ? 66.77%
+33.5% YoY +5.4% QoQ
+2.30% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
37%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 85.75%
-2.0% YoY +6.0% QoQ
+7.80% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
36%
Non-Interest-Bearing Deposit Share ? 30.65%
-3.2% YoY -0.4% QoQ
+8.62% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 12.80%
-7.0% YoY -5.5% QoQ
-3.11% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.18%
-32.3% YoY +103.7% QoQ
-0.39% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
44%

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 30.7%
-1.0pp YoY
-0.1pp QoQ
 +8.5pp 22.1% 29.2% 22.2% 84%
Brokered Deposits n/a n/a 7.9% 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 1.8%
+0.2pp YoY
-0.2pp QoQ
 -9.7pp 11.6% 14.8% 12.5% 6%
CRE 50.2%
+2.8pp YoY
+0.9pp QoQ
 +10.7pp 39.5% 48.4% 41.4% 70%
1-4 Family 30.4%
-3.8pp YoY
-1.4pp QoQ
 -2.2pp 32.6% 25.8% 31.3% 52%
Consumer 0.3%
-0.1pp YoY
-0.1pp QoQ
 -3.8pp 4.1% 4.7% 5.0% 12%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 12.8%
-1.0pp YoY
-0.8pp QoQ
 -6.0pp 18.8% 22.7% 19.7% 25%
Leverage Ratio 9.9%
0.0pp YoY
-0.3pp QoQ
 -2.2pp 12.2% 12.6% 12.6% 29%
Total Capital Ratio 13.9%
-1.0pp YoY
-0.7pp QoQ
 -6.0pp 19.9% 23.8% 20.8% 25%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 39
+13 (+50.0%) YoY
0 QoQ
 -20 58 186 482 40%
Assets per Employee ($) $6.7M
-26.4% YoY
+3.0% QoQ
 -$823K $7.5M $10.1M $8.8M 46%
Branch Count 2
0 YoY
0 QoQ
 -3 4 12 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 18.82x 20.23x n/a
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 39%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 12.9%
-9.1pp YoY
-2.4pp QoQ
 +0.7pp 12.2% 13.2% 11.6% 55%
Cost of Funds (YTD) 1.1%
-0.1pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.6% 1.7% 16%
Net Income ($, YTD) $1.6M
-36.3% YoY
— QoQ
 -$939K $2.6M $15.9M $40.4M 44%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth
#122 of 278 • Top 43.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 30.65%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.26%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline
#63 of 307 • Bottom 20.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.28%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
127
Net Interest Margin
profitability
Value: 5.26%
Peer Median: 3.99%
#127 of 2643 Top 4.8% in $100M-$1B
430
Non-Interest-Bearing Deposit Share
funding
Value: 30.65%
Peer Median: 22.03%
#430 of 2643 Top 16.2% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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