| Metric | Bandera Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +3.0% | -3.5 pts |
| Deposit growth (YoY) | -1.3% | +2.5% | -3.7 pts |
| Loan growth (YoY) | -6.9% | +2.6% | -9.5 pts |
| ROA | 2.22% | 0.99% | +1.2 pts |
| ROE | 19.4% | 8.1% | +11.3 pts |
ROA ranks in the 92nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $89.3M | $78.6M | $46.9M | $10.5M | $1.0M | 2.22% | 4.90% | 0.16% |
| Q1 2026 | $94.4M | $83.8M | $46.9M | $10.4M | $497K | 2.17% | 4.83% | 0.64% |
| Q4 2025 | $89.1M | $78.5M | $48.8M | $10.4M | $2.2M | 2.40% | 4.89% | 0.53% |
| Q3 2025 | $95.2M | $84.7M | $50.0M | $10.2M | $1.7M | 2.41% | 4.84% | 0.00% |
| Q2 2025 | $89.7M | $79.6M | $50.3M | $9.9M | $1.1M | 2.42% | 4.86% | 0.00% |
| Q1 2025 | $92.8M | $82.9M | $49.3M | $9.7M | $517K | 2.24% | 4.69% | 0.01% |
| Q4 2024 | $91.8M | $82.1M | $49.7M | $9.5M | $2.3M | 2.42% | 4.87% | 0.00% |
| Q3 2024 | $95.8M | $85.9M | $49.0M | $9.7M | $1.7M | 2.37% | 4.81% | 0.01% |
Loan mix (Q2 2026): real estate $40.2M · commercial $3.5M · consumer $3.5M · securities $18.4M
| Ratio | Bandera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.22% | 0.99% | 92th | |
Return on equity Annualized net income ÷ equity or net worth | 19.4% | 8.1% | 93th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.90% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.0% | 70.8% | 21th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bandera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bandera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bandera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bandera Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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