Call reports 2025
BANDERA BANK — 2025
What BANDERA BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 92,849,000 | 89,740,000 | 95,193,000 | 89,097,000 |
| Total loans | 49,790,000 | 50,796,000 | 50,481,000 | 49,315,000 |
| Allowance for loan losses | 460,000 | 466,000 | 472,000 | 469,000 |
| Securities available for sale | 5,080,000 | 4,980,000 | 4,967,000 | 4,920,000 |
| Securities held to maturity | 12,184,000 | 12,688,000 | 12,979,000 | 12,639,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,868,000 | 79,593,000 | 84,729,000 | 78,501,000 |
| Interest-bearing deposits | 45,717,000 | 45,383,000 | 44,593,000 | 44,434,000 |
| Noninterest-bearing deposits | 37,151,000 | 34,210,000 | 40,136,000 | 34,067,000 |
| Equity capital | 9,733,000 | 9,938,000 | 10,189,000 | 10,361,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,218,000 | 2,488,000 | 3,753,000 | 5,013,000 |
| Interest expense | 168,000 | 335,000 | 501,000 | 668,000 |
| Net interest income | 1,050,000 | 2,153,000 | 3,252,000 | 4,345,000 |
| Noninterest income | 106,000 | 201,000 | 294,000 | 374,000 |
| Noninterest expense | 622,000 | 1,241,000 | 1,861,000 | 2,494,000 |
| Provision for loan losses | 4,000 | 4,000 | 18,000 | 18,000 |
| Pretax income | 517,000 | 1,109,000 | 1,667,000 | 2,201,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 517,000 | 1,109,000 | 1,667,000 | 2,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,719,000 | 10,887,000 | 11,005,000 | 11,093,000 |