# BANDERA BANK
BANDERA, TX · FDIC certificate 26653 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $89.3M | |
| Deposits | $78.6M | |
| Loans and leases | $47.3M | |
| Total equity | $10.5M | |
| Loans / deposits | 59.62% (p30 of band) | 73.59% |
| Liquid assets / assets | 46.12% (p73 of band) | |
| Uninsured deposits / deposits | 9.06% (p11 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.29% (p56 of band) | 11.76% |
| Unrealized securities loss / equity | -12.57% (p34 of band) | -6.57% |
| AOCI / equity | -0.18% (p60 of band) | |
| ROA (annualized) | 2.22% (p90 of band) | 1.17% |
| Net interest margin | 4.90% (p87 of band) | 3.93% |
| Efficiency ratio | 56.97% (p28 of band) | |
| Noncurrent loans | 0.30% (p47 of band) | 0.36% |
| Net charge-offs (annualized) | 0.06% (p82 of band) | |
| Reserve coverage of noncurrent | 315.71% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 57.51% (p83 of band) | |
| Auto loans | $2.6M (5.42% of loans; DQ 0.00%, NCO 0.06%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.3% | |
| Employees | 17 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | uninsured deposits leaving |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | reserve under noncurrent |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 2 | capital falling |  |
| 2013-09 | 0 |  | reserve under noncurrent, capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 | uninsured deposits leaving | capital falling |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | uninsured deposits leaving |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | capital falling |  |
| 2018-12 | 0 |  | capital falling |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-12 | 1 |  | deposits shrinking, assets shrinking |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | uninsured deposits leaving |
| 2020-12 | 1 | uninsured deposits leaving | capital falling |
| 2021-03 | 0 |  | uninsured deposits leaving |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 1 | securities losses >30% of equity |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 4 | securities losses >30% of equity, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-12 | 3 |  | securities losses >30% of equity |
| 2024-03 | 4 | charge-offs p90 |  |
| 2024-06 | 2 |  | assets shrinking, charge-offs p90 |
| 2024-09 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | reserve under noncurrent |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | reserve under noncurrent |

## In the news (Google News, unfiltered, newest first; check the city)

- 2017-02-27 [Bandera bank robbery - kens5.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE9mTnNEdDN6NUJNR2s2c2xMNHlJaDNYY1pKUGF5SjVsUEZIQmM2LXNjQTVmTWdaUnkza1FrZ0ZfanZwdkF2M3ZzY2xqWUtydGdna2dQMHBLQnRxWWR6Z1BaUkd5UFU3R1lmdXpnakw0WlFIeVk?oc=5) · kens5.com
- 2017-05-17 [This Bandera Bank Might Be the Most Cowboy Bank in Texas - Wide Open Country](https://news.google.com/rss/articles/CBMibkFVX3lxTE1jSXNyV0MyTkkzY015b29zNkFhR0VWZUNWZDdFb1NjTjNvTTBleFpqaGptWGNoMXl5anVhbElxekQwT2xEM21iTHBZbnhQaFVYeERMMG9nUVZ4LXNBVHVKend3aUJITFZaOTk4UEZB?oc=5) · Wide Open Country
- 2026-04-18 [Germaine DeVreese Trent Obituary Mar 31, 2026 - Bandera Funeral Chapel](https://news.google.com/rss/articles/CBMiZkFVX3lxTFB0bjVhbnRFWWpuQkVvZ1Q5SFQzNlJZdG5fdE5GVGFpVks3c2x5NnZ0Sll5cFBmLTFjMjV0QWdmSlBObzM1N3E5LTRZVWFGSmlVank2ZUU1SnNNLWRfa1VEYVdfdV9ldw?oc=5) · Bandera Funeral Chapel
- 2021-02-10 [Elizabeth M James — In Loving Memory - Grimes Funeral Chapels](https://news.google.com/rss/articles/CBMiakFVX3lxTE5Rb0xycEEtVVY2SU51MXJLSEp5dU5DcC0zWlloSFpyV3FYODV4NGxwdW9oOHFRUW9lVVg3d1kwMjc4WUNpcUJCZ2JZNnhNb2Y1ZTI5UzlHcVVmOU1rcXlaY1BjWUdaRFBMZFE?oc=5) · Grimes Funeral Chapels
- 2009-09-13 [Obituary, Visitation & Funeral Information | James Allen Eubanks - Restland Funeral Home, Cemetery and Crematory](https://news.google.com/rss/articles/CBMif0FVX3lxTE5JMzRqbHlqRmhiaFBIbDZQNE4wQnA4YjhrWTdEaXJrVTJEb0xYM2JNWXZZM2JwV0Y2bTF3RjZfdGZ0emMya1Boalp2by1KS3dfMXFldlFrNFBBei1zSGRRWUs1MklpdE00ZzVZVmtUUTdtbUZURjZmUVowZ2Nranc?oc=5) · Restland Funeral Home, Cemetery and Crematory
- 2024-11-20 [Texas Salt Company Expands Reach With Smoked Seasonings and Southern Charm - Bandera Bulletin](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNN1M3bEZrTHpHZGNVLXREQVRkMUE1ejJJVHZDM0RFUWJrQ3d2SnBLcTBtSHJUZ3dhZTlSSk84N29YWkdxZVV1TDhCd25qRElmT2NOcXUtVW1RVDBQWmN6cXhmOUFPcXJkMWRTdDNOWnBlYjlZVmJ6dFBKWFZYWEE1Rml2ZEdZUGtHNWlvanczWVZDbDdoV0t0bHBlQWlWU2EweVRqLW84YWlWMkpjbk9pU1VPaFRIUWdKbkpB?oc=5) · Bandera Bulletin
- 2024-09-25 [Mattie Elizabeth Butts Batto Obituary Sep 25, 2024 - Bandera Funeral Chapel](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBTcUZrd04yMFlCVF9tSzRKUl9IcWNqLVRaUnZRMmIyNk12czRnMnFvNFJMNG16OTBXUUNYaFlPbWxWcklrT0lWc1p3SERFbzU1VU9uSWtDbXZhLUozOFlSRk9DVQ?oc=5) · Bandera Funeral Chapel
- 2005-02-01 [Elva Koller Obituary (2005) - San Antonio, TX - San Antonio Express-News - legacy.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOdXZzbWRMd1ZDSzQ3NnZJbk1fdTR5dWJ2NHFpZnNRUGJwSmdwYkNHM211TEgwZXd2cVVQYnY3Z2huNHV1aVJ0UHRrOU9jSldCaXY2Z1g5LTI3Wms2b3lmSzZZVUlRYmFBZDI5RXJVN2V4YmQ5WU8zWU50MzV5Uk4wV0tfNWx6RVFGUVdob2V3?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26653 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/29.json (key "26653", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide