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
Unfavorable gap of $2.8M · efficiency ratio beats 51% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.87% | 1.20% | 1.65% | Beats 29% | 149 / 211 | | |
| Return on Equity | 11.67% | 7.52% | 11.67% | 14.58% | Beats 50% | 106 / 211 | | |
| Net Interest Margin | 2.94% | 3.28% | 3.82% | 4.31% | Beats 15% | 180 / 211 | | |
| Efficiency Ratio | 63.86% | 53.01% | 64.18% | 73.65% | Beats 51% | 104 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.06% | Beats 59% | 86 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 19.57% | 11.72% | 14.45% | 19.57% | Beats 75% | 53 / 211 | | |
| Total Risk-Based Capital Ratio | 20.83% | 11.94% | 14.78% | 20.30% | Beats 75% | 52 / 211 | | |
| Equity / Assets | 8.12% | 9.41% | 11.06% | 12.94% | Beats 9% | 192 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.58% | 45.39% | 66.56% | 82.03% | 27th pctl | 151 / 208 | | |
| Loans / Assets | 46.22% | 39.13% | 56.90% | 70.46% | 29th pctl | 149 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |