BlastPoint's Banking Scorecard
Bandera Bank
Micro
Specialty: Other
TX
FDIC cert 26653
Designations: ✓ Community bank
Bandera, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Bandera Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.31% above tier
- + Non-Interest-Bearing Deposit Share 21.00% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.1M
-3.0% YoY
-6.4% QoQ
|
-$128.4M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$48.8M
-1.8% YoY
-2.3% QoQ
|
-$90.3M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$78.5M
-4.3% YoY
-7.4% QoQ
|
-$105.2M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
2.40%
-1.0% YoY
-0.3% QoQ
|
+1.31% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.89%
+0.4% YoY
+0.9% QoQ
|
+1.04% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
52.85%
+5.3% YoY
+0.7% QoQ
|
-14.88% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? | 0.96% | +0.32% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
62.22%
+2.7% YoY
+5.4% QoQ
|
-12.30% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
43.40%
-4.7% YoY
-8.4% QoQ
|
+21.00% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? | 0.53% | +0.08% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.42%
-5.5% YoY
+35.9% QoQ
|
-0.14% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.40%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Micro
Why this stands out
Current:
43.40%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
96
96th pctile
Return on Assets
Current: 2.40% · Tier avg: 1.08%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.40% · Tier avg: 22.39%
89
89th pctile
Net Interest Margin
Current: 4.89% · Tier avg: 3.85%
85
85th pctile
Efficiency Ratio
Current: 52.85% · Tier avg: 67.73%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.22% · Tier avg: 74.53%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
21
21th pctile
Total Deposits
Current: $78.5M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $89.1M · Tier avg: $217.5M
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
Top Weaknesses
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $89.1M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.5M · Tier avg: $183.7M
30
30th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.64%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.56%
73
73th pctile
Loan-to-Deposit Ratio
Current: 62.22% · Tier avg: 74.53%
85
85th pctile
Efficiency Ratio
Current: 52.85% · Tier avg: 67.73%
89
89th pctile
Net Interest Margin
Current: 4.89% · Tier avg: 3.85%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 43.40% · Tier avg: 22.39%
96
96th pctile
Return on Assets
Current: 2.40% · Tier avg: 1.08%