Bandera Bank

Headquarters

207 Main Street
Bandera, TX 78003
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 1.05% →
2-Year CD N.A. 1.11% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.88% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 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 $ 71.26 million
Loans $ 36.51 million
Deposits $ 63.40 million
Capital $ 7.75 million
 

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 - August 14, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - August 14, 2020

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 2020

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Payment
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License#: MC-7051
2.812% 2.750% 0.75 $2,038 $1,021 Learn More
AimLoan.com
NMLS ID: 2890
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2.914% 2.875% 0.50 $1,250 $1,038 Learn More
Rocket Mortgage
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3.494% 3.375% 1.00 $3,750 $1,106 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
3.746% 3.625% 1.00 $3,750 $1,141 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
3.500 %
$25,000 Learn More
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Third Federal Savings and Loans
Third Federal Savings and Loans
2.990 %
$0 Learn More
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Note to Bandera Bank
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Branches

Bandera Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Bandera Bank Locations


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 BestCashCow.com 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
2.03% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2020, Bandera Bank had $164,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,750,000 in equity and $348,000 in loans loss reserves. That gives it a Texas Ratio of 2.03%.

Return on Equity
Bandera Bank U.S. Bank Average
12.03% 7.80%

Bandera Bank has a Return on Equity of 12.03% versus the BestCashCow average of 7.80%. 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.

Capitalization
Bandera Bank U.S. Bank Average
10.88% 12.68%

Bandera Bank has a Capitalization of 10.88% versus the BestCashCow average of 12.68. 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 March 31, 2020, Bandera Bank had assets of $71,259,000, loans of $36,514,000, and deposits of $63,399,000. 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

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 24.94 million
Interest-bearing balances $ 20.61 million
Total securities $ 8.96 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 36.51 million
Loan loss allowance $ 0.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 0.33 million
     Total Assets $ 63.51 million
LIABILITIES
Total deposits $ 63.40 million
      Interest-bearing deposits $ 35.37 million
      Deposits held in domestic offices $ 63.40 million
      % insured (estimated) 87.75%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 0.11 million
      Total Liabilities $ 63.51 million
      Shareholders’ Equity $ 7.75 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 0.66 million
Total Interest Expense $ 0.03 million
Net interest income $ 0.63 million
Provision for loan and lease losses N.A.
Total non interest income $ 0.10 million
Total non interest expense $ 0.50 million
Pre-tax Net Operating Income $ 0.23 million

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.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 62.01
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 5.25
Small Business Loans 0.00
Construction and Development Loans 2.17
Commercial Real Estate 20.23
Commercial and Industrial Loans 5.86
Farm Loans 0.05

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?

Yes

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?

Products

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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