Brazos National Bank

Richwood, TX · Cert 24038 · Peer group: banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (n=21) · Gulfport Bancshares of de Inc.

National charter · OCC · 1 branch

Q2 2026

$27.6MAssets

$15.4MLoans

$11.1MDeposits

$16.4MEquity

Executive Summary

Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 9 of 21).
Widest gap: return on equity trails 95% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area (rank 20 of 21).
Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.50%

Rank 5 of 21

Net Interest Margin

6.50%

Rank 1 of 21

Efficiency Ratio

93.18%

Rank 19 of 21

Equity / Assets

59.42%

Rank 1 of 21

Non-interest income vs. expense

Unfavorable gap of $1.4M · efficiency ratio beats 14% of banks under $1B in assets in the Houston-Pasadena-The Woodlands, TX area

Metric	Your Bank	Peer 25th	Peer Median	Peer 75th	Standing	Rank
Earnings
Return on Assets	1.50%	0.77%	1.16%	1.46%	Beats 76%	5 / 21
Return on Equity	2.52%	6.66%	8.42%	15.66%	Beats 5%	20 / 21
Net Interest Margin	6.50%	3.50%	3.97%	4.41%	Beats 95%	1 / 21
Efficiency Ratio	93.18%	59.33%	68.18%	79.00%	Beats 14%	19 / 21
Asset Quality
Nonperforming Loans / Loans	5.07%	0.01%	0.37%	1.25%	Beats 10%	20 / 21
Net Charge-Offs / Loans	0.00%	n/a	0.01%	0.05%	Beats 100%	9 / 21
Capital
Tier 1 Capital Ratio	99.13%	12.65%	15.76%	18.38%	Beats 95%	1 / 21
Total Risk-Based Capital Ratio	99.49%	12.65%	16.68%	19.63%	Beats 95%	1 / 21
Equity / Assets	59.42%	9.08%	11.30%	15.80%	Beats 95%	1 / 21
Liquidity & Funding
Loans / Deposits	139.32%	64.96%	78.30%	90.30%	95th pctl	1 / 21
Loans / Assets	55.83%	55.83%	65.86%	74.20%	24th pctl	16 / 21
Brokered Deposits / Deposits	n/a	Not reported for this institution