Bandera Bank

207 Main Street
Bandera, TX 78003


General Bank Information

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

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

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.

Bank Loan Profile?

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

Compared to other banks in Texas, Bandera Bank has a significantly higher percent of 1-4 Family Residential 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 60.46
Credit Card Loans 0.00
Consumer Auto Loans 3.22
Small Business Loans 0.00
Construction and Development Loans 3.39
Commercial Real Estate 15.35
Commercial and Industrial Loans 8.02
Farm Loans 0.04

Deposit Rates

Your Current Location: Virginia, VA 20146

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

2.00% APY 12 Month CD from Synchrony Bank

Loan Rates

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2018

Lender APR Rate (%) Points Fees Monthly
Learn More NMLS#2890
NMLS ID: 2890
License#: MC-3098
3.911% 3.875% 0.00 $1,194 $1,176 Learn More
PenFed Credit Union
NMLS ID: 401822
4.073% 3.990% 0.00 $2,500 $1,193 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.490% $224.24 Learn More
Flagstar Bank 5.240% $275.79 Learn More

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
1.33% 8.32%

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 September 30, 2017, Bandera Bank had $20,000 in non-current loans and $73,000 in owned real estate. To cover these potential losses it had $6,656,000 in equity and $317,000 in loans loss reserves. That gives it a Texas Ratio of 1.33%.

Return on Equity
Bandera Bank U.S. Bank Average
9.98% 8.84%

Bandera Bank has a Return on Equity of 9.98% versus the BestCashCow average of 8.84%. 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
9.65% 12.21%

Bandera Bank has a Capitalization of 9.65% versus the BestCashCow average of 12.21. 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 September 30, 2017, Bandera Bank had assets of $68,969,000, loans of $35,627,000, and deposits of $62,218,000. 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.

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?

See branch locations nearby.

Is Bandera Bank open on Saturdays?

Is Bandera Bank open on Sundays?

What time does Bandera Bank open?

What time does Bandera Bank close?

Are Bandera Bank ATMs Open 24/7?

Do Bandera Bank ATMs accept cash deposits?

Can Bandera Bank customers use other ATMs?

Do Bandera Bank branches have notaries?

Will Bandera Bank notarize my document?

What address for Bandera Bank should I put for incoming ACH transfers?

Will the Bandera Bank branch print checks?

Do Bandera Bank checks expire?

Does Bandera Bank require US citizenship to open account?

Can Bandera Bank close my account?

Does Bandera Bank Report to credit bureaus?

Does Bandera Bank Use Equifax?

What is Bandera Bank's ACH Routing Number?

What is Bandera Bank's SWIFT code?


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?

Will Bandera Bank redeem a savings bond?

Does Bandera Bank cash savings bonds?

Will Bandera Bank cash money orders?

Can Bandera Bank issue a money order?

Does Bandera Bank do currency exchange?

Background on The Bank

Who owns Bandera Bank?

How long has Bandera Bank been around?

Can Bandera Bank transfer to other banks?

Does Bandera Bank have quick pay?

Does Bandera Bank accept rolled coins?

Will Bandera Bank accept loose change?

Where is Bandera Bank headquarters?

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