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Brady National Bank, The

Brady, TX · Cert 3109 · Texas Country Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in TX3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in TX (n=208 to 211). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

53

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

31

Q2 2024Q2 2026peer median (50)

Liquidity

56

Q2 2024Q2 2026peer median

Efficiency

51

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Brady National Bank, The

Brady, TX · Cert 3109 · Texas Country Bancshares Inc.

National charter · OCC · 1 affiliate bank · 1 branch (4 in holding)

Q2 2026

$167.7MAssets
$77.5MLoans
$153.2MDeposits
$13.6MEquity
Loan mix
71%RE $56.8M26%C&I $20.5M3%Consumer $2.4MQ2 2025Q2 2026
Deposit mix
80%Interest-bearing $123.3M20%Noninterest $30.0MQ2 2025Q2 2026

NIM

4.41%Q2 ’244.65%Q2 ’254.44%Q2 ’26+7%-1%

Non-interest income vs. expense

2.22%Q2 ’242.34%Q2 ’252.20%Q2 ’26+4%-3%

Executive Summary

  • Earnings: ROA of 0.97%, unchanged from a year ago; NIM at 2.94%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 10.00%, down 39 bps from a year ago.
  • Funding: loans stand at 50.58% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.97%0 bps YoY

Net Interest Margin (YTD, annualized)

2.94%-4 bps YoY

Efficiency Ratio (YTD, annualized)

63.86%-167 bps YoY

Tier 1 Leverage Ratio

10.00%-39 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.98%0.99%0.99%0.97%0 bps
Return on Equity13.07%12.81%12.76%12.15%11.87%-120 bps
Net Interest Margin2.98%2.96%2.85%2.89%2.94%-4 bps
Efficiency Ratio65.53%64.95%64.65%63.02%63.86%-167 bps
Non-Interest Burden1.75%1.73%1.65%1.64%1.69%-5 bps
Growth
Asset Growth (YoY)5.03%6.92%4.49%9.63%16.15%+1,112 bps
Loan Growth (YoY)9.35%0.33%-3.08%-2.66%-4.71%-1,406 bps
Deposit Growth (YoY)4.07%6.30%3.02%8.72%15.83%+1,177 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.01%0.01%0.02%0.02%0.01%0 bps
Allowance / Loans1.58%1.61%1.60%1.57%1.64%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.39%10.34%10.00%9.78%10.00%-39 bps
Total Risk-Based Capital19.30%19.69%19.56%19.68%20.83%+153 bps
Equity / Assets7.86%8.43%7.99%8.33%8.12%+26 bps
Liquidity & Funding
Loans / Deposits61.49%57.46%53.14%54.87%50.58%-1,091 bps
Liquid Assets / Assets3.80%9.70%12.26%12.44%19.91%+1,611 bps
CRE / Total Capitaln/a125.33%113.53%125.57%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Brady National Bank, The

Brady, TX · Cert 3109 · Peer group: banks under $1B in assets in TX (n=208-211) · Texas Country Bancshares Inc.

National charter · OCC · 1 affiliate bank · 1 branch (4 in holding)

Q2 2026

$167.7MAssets
$77.5MLoans
$153.2MDeposits
$13.6MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
  • Widest gap: equity / assets trails 91% of banks under $1B in assets in TX (rank 192 of 211).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

0.95%

Rank 149 of 211

Net Interest Margin

2.94%

Rank 180 of 211

Efficiency Ratio

63.86%

Rank 104 of 211

Equity / Assets

8.12%

Rank 192 of 211

Non-interest income vs. expense

$0.8M$3.6MINCOMEEXPENSE
Unfavorable gap of $2.8M · efficiency ratio beats 51% of banks under $1B in assets in TX
Bank 63.86%Peer median 64.2%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.95%0.87%1.20%1.65%Beats 29%149 / 211
Return on Equity11.67%7.52%11.67%14.58%Beats 50%106 / 211
Net Interest Margin2.94%3.28%3.82%4.31%Beats 15%180 / 211
Efficiency Ratio63.86%53.01%64.18%73.65%Beats 51%104 / 211
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.30%1.10%Beats 100%44 / 208
Net Charge-Offs / Loans0.01%0.00%0.01%0.06%Beats 59%86 / 208
Capital
Tier 1 Capital Ratio19.57%11.72%14.45%19.57%Beats 75%53 / 211
Total Risk-Based Capital Ratio20.83%11.94%14.78%20.30%Beats 75%52 / 211
Equity / Assets8.12%9.41%11.06%12.94%Beats 9%192 / 211
Liquidity & Funding
Loans / Deposits50.58%45.39%66.56%82.03%27th pctl151 / 208
Loans / Assets46.22%39.13%56.90%70.46%29th pctl149 / 211
Brokered Deposits / Depositsn/aNot reported for this institution