TellerScore

Guadalupe Bank (FDIC certificate #58768) is based in Kerrville, Texas. Its Q2 2026 call report shows $261.1M in total assets and $234.1M in deposits and 2 offices.

Based on its Q2 2026 filing, Guadalupe Bank scores 74/100, which we describe as strong. That is higher than 57% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 180th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is capital cushion (49/100; 9.93%).

TellerScore · Q2 2026

Scorecard

Capital cushion49/100
Tier 1 leverage ratio: 9.93%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings71/100
Return on assets (annualized): 1.28%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 85.8% · 22.8% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

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

From Q2 2025 to Q2 2026, the score fell 7 points (81 → 74), mostly because the earnings component weakened by 29 points.

TellerScore
737781Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202477
Q3 202477
Q4 202473
Q1 202577
Q2 202581
Q3 202581
Q4 202580
Q1 202677
Q2 202674
Tier 1 leverage ratio
5.00%7.61%10.21%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.72%
Q3 20248.70%
Q4 20249.08%
Q1 20259.93%
Q2 20259.97%
Q3 202510.07%
Q4 202510.02%
Q1 202610.21%
Q2 20269.93%
Noncurrent loans
0.00%0.19%0.38%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.36%
Q1 20250.38%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
1.28%1.71%2.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.00%
Q3 20242.04%
Q4 20241.87%
Q1 20252.14%
Q2 20252.14%
Q3 20252.04%
Q4 20251.87%
Q1 20261.53%
Q2 20261.28%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$261.1M9.93%0.00%1.28%85.8%
Q1 202677$253.4M10.21%0.00%1.53%80.9%
Q4 202580$243.4M10.02%0.00%1.87%80.0%
Q3 202581$239.9M10.07%0.00%2.04%81.6%
Q2 202581$236.4M9.97%0.00%2.14%87.5%
Q1 202577$242.2M9.93%0.38%2.14%83.2%
Q4 202473$234.0M9.08%0.36%1.87%89.8%
Q3 202477$249.8M8.70%0.00%2.04%85.3%
Q2 202477$251.0M8.72%0.00%2.00%88.9%

2,650 peers · $100 million – $1 billion

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 ratio9.93%
29th
Total risk-based capital13.94%
62nd
Problem loans0.00%
94th
Net charge-offs0.01%
51st
Return on assets1.28%
52nd
Net interest margin5.26%
95th
Efficiency ratio66.8%
37th
Loans to deposits85.8%
36th
Uninsured deposits22.8%
54th
Loan-loss reserves1.09%
38th
Texas ratio0.0%
95th

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
First Texas BankBank Lampasas, TX81 out of 100, Strong$259.7M10.1%0.00%vs
Texas Financial BankBank Eden, TX61 out of 100, Moderate$264.6M11.7%1.00%vs
Bank of DeSoto, National AssociationBank De Soto, TX70 out of 100, Strong$264.6M10.1%0.98%vs
Cendera BankBank Bells, TX64 out of 100, Moderate$257.6M11.3%0.37%vs
Anahuac National BankBank Anahuac, TX68 out of 100, Moderate$266.4M10.1%0.37%vs
Castroville State BankBank Castroville, TX76 out of 100, Strong$269.7M10.9%0.00%vs

Deposit insurance

Is my money safe at Guadalupe Bank?

Yes. Guadalupe Bank is an FDIC-insured institution (FDIC certificate #58768). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.8% of deposits ($53.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.93%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.94% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

Guadalupe Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Guadalupe Bank
Former names
Guadalupe National Bank
Type
State-chartered bank
FDIC certificate #
58768
RSSD ID
3635551
Primary regulator
FDIC
Holding company
Relationship Financial Corp
Established
March 17, 2008
Headquarters
1309 Bandera Hwy, Kerrville, TX 78028
Employees
39

Quick answers

Guadalupe Bank: common questions

Is Guadalupe Bank FDIC insured?

Yes. Guadalupe Bank is an FDIC-insured institution (FDIC certificate #58768). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Guadalupe Bank's TellerScore?

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

Has Guadalupe Bank ever failed?

There is no failure record for FDIC certificate #58768 in the FDIC failed bank list.

How many branches does Guadalupe Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Kerrville

InstitutionScoreAssetsCapitalProblem loansCompare
Arrowhead BankBank Llano, TX87 out of 100, Very strong$295.3M11.9%0.00%vs
Peoples State BankBank Rocksprings, TX80 out of 100, Strong$140.0M11.0%0.10%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Broadway National BankBank San Antonio, TX79 out of 100, Strong$5.4B10.9%0.19%vs
The Bank and Trust, S.S.B.Bank Del Rio, TX77 out of 100, Strong$583.8M10.0%0.05%vs
SouthStar Bank, S.S.B.Bank Moulton, TX77 out of 100, Strong$1.4B13.3%0.62%vs