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Letter portraitLegal landscapeQuarterYTD

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 $2.4MQ3 2024Q2 2026
Deposit mix
80%Interest-bearing $123.3M20%Noninterest $30.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.85%0.85%0.96%0.97%0.98%0.99%0.99%0.97%0 bps
Return on Equity12.10%12.25%13.36%13.07%12.81%12.76%12.15%11.87%-120 bps
Net Interest Margin2.81%2.79%2.83%2.98%2.96%2.85%2.89%2.94%-4 bps
Efficiency Ratio67.36%67.16%64.66%65.53%64.95%64.65%63.02%63.86%-167 bps
Non-Interest Burden1.71%1.70%1.65%1.75%1.73%1.65%1.64%1.69%-5 bps
Growth
Asset Growth (YoY)-0.81%3.00%-3.88%5.03%6.92%4.49%9.63%16.15%+1,112 bps
Loan Growth (YoY)4.08%9.22%10.78%9.35%0.33%-3.08%-2.66%-4.71%-1,406 bps
Deposit Growth (YoY)1.52%7.11%-0.52%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%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans-0.01%-0.01%0.00%0.01%0.01%0.02%0.02%0.01%0 bps
Allowance / Loans1.62%1.57%1.55%1.58%1.61%1.60%1.57%1.64%+6 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.26%10.23%9.79%10.39%10.34%10.00%9.78%10.00%-39 bps
Total Risk-Based Capital18.80%18.14%18.74%19.30%19.69%19.56%19.68%20.83%+153 bps
Equity / Assets7.96%6.79%7.59%7.86%8.43%7.99%8.33%8.12%+26 bps
Liquidity & Funding
Loans / Deposits60.88%56.48%61.29%61.49%57.46%53.14%54.87%50.58%-1,091 bps
Liquid Assets / Assets1.64%10.16%4.54%3.80%9.70%12.26%12.44%19.91%+1,611 bps
CRE / Total Capitaln/an/an/an/a125.33%113.53%125.57%n/an/a