TellerScore

Headquartered in Bandera, Texas, Bandera Bank is a state-chartered bank with $89.3M in total assets and $78.6M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1986.

Based on its Q2 2026 filing, Bandera Bank scores 89/100, which we describe as very strong. That is higher than 87% of 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 23rd. Its strongest component is earnings (100/100; 2.22%), and its lowest is capital cushion (73/100; 12.29%).

TellerScore · Q2 2026

Scorecard

Capital cushion73/100
Tier 1 leverage ratio: 12.29%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.30%
Earnings100/100
Return on assets (annualized): 2.22%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 59.6% · 9.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.28%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (89 → 89).

TellerScore
798591Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202488
Q3 202488
Q4 202489
Q1 202590
Q2 202589
Q3 202591
Q4 202582
Q1 202679
Q2 202689
Tier 1 leverage ratio
5.00%8.65%12.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.22%
Q3 202411.13%
Q4 202411.22%
Q1 202511.66%
Q2 202511.64%
Q3 202511.95%
Q4 202512.05%
Q1 202612.04%
Q2 202612.29%
Noncurrent loans
0.00%0.64%1.28%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.02%
Q4 20240.00%
Q1 20250.01%
Q2 20250.00%
Q3 20250.00%
Q4 20250.95%
Q1 20261.28%
Q2 20260.30%
Return on assets
2.17%2.30%2.42%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.27%
Q3 20242.37%
Q4 20242.42%
Q1 20252.24%
Q2 20252.42%
Q3 20252.41%
Q4 20252.40%
Q1 20262.17%
Q2 20262.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$89.3M12.29%0.30%2.22%59.6%
Q1 202679$94.4M12.04%1.28%2.17%56.0%
Q4 202582$89.1M12.05%0.95%2.40%62.2%
Q3 202591$95.2M11.95%0.00%2.41%59.0%
Q2 202589$89.7M11.64%0.00%2.42%63.2%
Q1 202590$92.8M11.66%0.01%2.24%59.5%
Q4 202489$91.8M11.22%0.00%2.42%60.6%
Q3 202488$95.8M11.13%0.02%2.37%57.1%
Q2 202488$93.3M11.22%0.00%2.27%57.8%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.29%
45th
Total risk-based capital0.00%
27th
Problem loans0.30%
54th
Net charge-offs0.12%
16th
Return on assets2.22%
92nd
Net interest margin4.90%
85th
Efficiency ratio57.0%
79th
Loans to deposits59.6%
60th
Uninsured deposits9.1%
80th
Loan-loss reserves0.93%
27th
Texas ratio1.3%
55th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Menard BankBank Menard, TX87 out of 100, Very strong$90.7M12.7%0.00%vs
Angelina Savings Bank, SSBBank Lufkin, TX80 out of 100, Strong$86.9M11.4%0.16%vs
The First National Bank of TrinityBank Trinity, TX73 out of 100, Strong$92.8M9.2%0.00%vs
Junction National BankBank Junction, TX86 out of 100, Very strong$93.0M12.0%0.00%vs
The First Bank of CelesteBank Celeste, TX75 out of 100, Strong$83.9M8.4%0.00%vs
First National BankBank Rotan, TX42 out of 100, Below average$96.5M9.7%3.09%vs

Deposit insurance

Is my money safe at Bandera Bank?

Yes. Bandera Bank is an FDIC-insured institution (FDIC certificate #26653). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.1% of deposits ($7.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.29%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Bandera Bank lists 1 office in 1 city. Most locations:

  • Bandera, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
Bandera Bank
Type
State-chartered bank
FDIC certificate #
26653
RSSD ID
78157
Primary regulator
FDIC
Holding company
Bandera Bancshares Inc
Established
April 24, 1986
Headquarters
207 Main Street, Bandera, TX 78003
Employees
17

Quick answers

Bandera Bank: common questions

Is Bandera Bank FDIC insured?

Yes. Bandera Bank is an FDIC-insured institution (FDIC certificate #26653). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Bandera Bank's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Bandera Bank ever failed?

There is no failure record for FDIC certificate #26653 in the FDIC failed bank list.

How many branches does Bandera Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Bandera

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State BankBank Rocksprings, TX80 out of 100, Strong$140.0M11.0%0.10%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Southwest Research Center Federal Credit UnionCredit union San Antonio, TX79 out of 100, Strong$87.6M11.6%0.50%vs
Randolph-Brooks Federal Credit UnionCredit union Universal City, TX76 out of 100, Strong$19.6B13.4%1.27%vs
Liberty Capital BankBank Addison, TX73 out of 100, Strong$767.9M10.9%0.07%vs