Bandera Bank: how it compares with its peers
Against 77 TX banks with half to twice its assets, Bandera Bank's strongest measure in Q2 2026 is return on assets (2.22% vs. a 1.21% peer median). Its weakest relative measure is assets per employee ($5.3M vs. $5.8M).
| Measure | Bandera Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.22% | 1.21% | Top third Ahead of 92% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.90% | 4.00% | Top third Ahead of 77% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 56.97% | 67.55% | Top third Ahead of 77% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.3M | $5.8M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 59.62% | 52.64% | Context |
What it means for lending operations
Its efficiency ratio of 56.97% is better than the 67.55% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Menard Bank Menard, TX · $91M
- Angelina Savings Bank, SSB Lufkin, TX · $87M
- The First National Bank of Trinity Trinity, TX · $93M
- Junction National Bank Junction, TX · $93M
- The First Bank of Celeste Celeste, TX · $84M
Questions about Bandera Bank
How big is Bandera Bank?
Bandera Bank, established in 1986, is headquartered in Bandera, TX. It reported $89M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Bandera Bank's return on assets?
2.22% annualized in Q2 2026, against a 1.21% median for 77 TX banks with half to twice its assets, ahead of 92% of them.
What is Bandera Bank's efficiency ratio?
56.97% in Q2 2026: it spent about 57 cents in noninterest expense for each dollar of revenue. The peer median is 67.55%, and lower is better.
Is Bandera Bank growing its loans?
Net loans shrank 6.9% over the year to Q2 2026, while deposits shrank 1.3%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.