Bandera Bank

207 Main Street
Bandera, TX 78003

Notable Rates APY Vs.Others
Savings N.A. 2.60% →
1-Year CD N.A. 2.30% →
2-Year CD N.A. 2.50% →
5-Year CD N.A. 3.25% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 Overview

General Bank Information

Bandera Bank is an FDIC insured institution located in Bandera, TX. It was founded in 1986 and has approximately $0.07 billion in assets.

FDIC Insured Yes
FDIC Certificate # 26653
Date Established 1986
Assets $0.07 billion
Loans $0.04 billion
Deposits $0.06 billion
Capital $0.01 billion

For a more detailed analysis of Bandera Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - November 17, 2019

Your Current Location: Washington, WA 98109

There are currently no rates available for Bandera Bank, but see these great savings and CD rates:

Advertiser Disclosure

Loan Rates - November 17, 2019

Your Current Location: Washington, WA 98109

There are currently no loan rates available for Bandera Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: 520-CL-25944
3.535% 3.500% 0.50 $1,102 $1,123 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

Note to Bandera Bank
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Financial Details

Bandera Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bandera Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Bandera Bank U.S. Bank Average
1.09% 6.77%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of June 30, 2019, Bandera Bank had $86,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,549,000 in equity and $335,000 in loans loss reserves. That gives it a Texas Ratio of 1.09%.

Return on Equity
Bandera Bank U.S. Bank Average
16.5% 9.50%

Bandera Bank has a Return on Equity of 16.5% versus the BestCashCow average of 9.50%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Bandera Bank U.S. Bank Average
10.4% 12.76%

Bandera Bank has a Capitalization of 10.4% versus the BestCashCow average of 12.76. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Bandera Bank Balance Sheet Analysis

As of June 30, 2019, Bandera Bank had assets of $72,593,000, loans of $37,733,000, and deposits of $64,960,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

June 30, 2019
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.01 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.04 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.07 billion
Total deposits $0.06 billion
      Interest-bearing deposits $0.03 billion
      Deposits held in domestic offices $0.06 billion
      % insured (estimated) 85.03%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.07 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

June 30, 2019
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.00 billion
Pre-tax Net Operating Income $0.00 billion

Bank Loan Profile?

The top three loan types in Bandera Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Texas, Bandera Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 60.95
Credit Card Loans 0.00
Consumer Auto Loans 4.99
Small Business Loans 20.65
Construction and Development Loans 1.41
Commercial Real Estate 20.65
Commercial and Industrial Loans 5.67
Farm Loans 0.09

Frequently Asked Questions About Bandera Bank

Branches and Savings

Is Bandera Bank FDIC insured?

Yes. It is covered under FDIC Certificate #26653.

Why does Bandera Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Bandera Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Bandera Bank a commercial bank?


Where are Bandera Bank locations?

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Is Bandera Bank open on Saturdays?

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Do Bandera Bank checks expire?

Does Bandera Bank require US citizenship to open account?

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Does Bandera Bank offer mortgages?

Compare mortgage rates here.

Does Bandera Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bandera Bank offer personal loans?

Compare personal loan rates here.

Does Bandera Bank offer student loans?

Will Bandera Bank cash a check?

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Background on The Bank

Who owns Bandera Bank?

How long has Bandera Bank been around?

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