Bandera Bank
Bandera, TX
IDRSSD: 78157
Total Assets
$89.10M
Latest filing
Total Deposits
$78.50M
Latest filing
Net Interest Margin
4.90%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
114918305BANDERA, TX
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bandera Bank
207 Main Street
Bandera, TX 78003
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/24/1986FDIC Certificate 35384
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Bandera Bank (Main) | 207 Main Street | Bandera, TX | ||
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/24/1986 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 78003 |
| State and County Number | 48019 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 11 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | San Antonio-New Braunfels, TX |
Operational Info
| Number of Employees | 16 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/17/2015 |
| Date of Deposit Insurance | 04/24/1986 |
| Primary Insurance Agency | DIF |
| Website | www.banderabank.com |
| Data Updated | 01/30/2026 |
| CERT | 26653 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $89.10M |
| Total Deposits | $78.50M |
| Total Liabilities | $78.74M |
| Total Equity Capital | $10.36M |
| Net Income | $534.00k |
| Net Loans and Leases | $48.85M |
| Assets Per Employee ($Millions) | $5.24M |
| Bank Premises and Fixed Assets | $743.00k |
| Cash and Balances due from Depository Institutions | $21.47M |
| Deposits Held in Domestic Offices | $78.50M |
Key Performance Ratios
| Return on Assets (ROA) | 2.32% |
| Return on Equity (ROE) | 20.79% |
| Net Interest Margin | 4.9% |
| Efficiency Ratio | 53.96% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.629% |
| Earning Assets to total Assets | 96.84% |
Income and Expense
| Total Interest Income | $1.26M |
| Total Noninterest Income | $80.00k |
| Total Interest Expense | $167.00k |
| Total Noninterest Expense | $633.00k |
| Net Interest Income | $1.09M |
| Pre-tax Net Operating Income | $534.00k |
| Provision for Credit Losses | $6.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $235.00k |
| Total Liabilities and Capital | $89.10M |
Securities
| Securities | $17.56M |
| Available-for-sale debt securities | $4.92M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $12.64M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bandera Bank?
$89.10M as of the latest filing.
How much are Bandera Bank's total deposits?
$78.50M in total deposits.
Where is Bandera Bank located?
Bandera, TX.
What is the Net Interest Margin?
4.90%.
How many domestic offices does it operate?
1.
When was it established?
04/24/1986.
What is the Return on Assets (ROA)?
2.32%.
How much are total loans and leases?
$48.85M (latest filing).
What is the total interest income (latest filing)?
$1.26M.