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Bank of Brenham, National Association

Brenham, TX · Cert 57102

FDIC · 3 branches

Q2 2025

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 2025, the quarter ended June 30, 2025, 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=221 to 224). 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

12

Q2 2024Q2 2025peer median (50)

Asset Quality

20

Q2 2024Q2 2025peer median (50)

Profitability

2

Q2 2024Q2 2025peer median (50)

Liquidity

0

Q2 2024Q2 2025peer median

Efficiency

1

Q2 2024Q2 2025peer 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

Bank of Brenham, National Association

Brenham, TX · Cert 57102

FDIC · 3 branches

Q2 2025

$576.9MAssets
$118.9MLoans
$604.2MDeposits
$-32016KEquity
Loan mix
88%RE $90.6M9%C&I $9.0M4%Consumer $3.8MQ2 2024Q2 2025
Deposit mix
89%Interest-bearing $538.4M11%Noninterest $65.8MQ2 2024Q2 2025

NIM

3.18%Q2 ’233.55%Q2 ’243.38%Q2 ’25-86%+164%

Non-interest income vs. expense

1.26%Q2 ’231.35%Q2 ’241.31%Q2 ’25+2%+19%

Market Position · College Station-Bryan, TX · 2025 SOD (annual) · 0.6% share · #20 of 27 inst. · $0.1B of $8.7B

31.0% Washington
0.7% Brazos

Executive Summary

  • Earnings: ROA of -0.92%, up 15 bps year over year; NIM at 0.47%.
  • Asset quality: problem loans at 0.83% of loans (-60 bps YoY), with net charge-offs at 0.23%.
  • Capital: tier 1 leverage ratio of 11.15%, up 143 bps from a year ago.
  • Funding: loans stand at 19.67% of deposits as of Q2 2025.

Financial Results

Return on Assets (YTD, annualized)

-0.92%+15 bps YoY

Net Interest Margin (YTD, annualized)

0.47%+29 bps YoY

Efficiency Ratio (YTD, annualized)

247%-2,973 bps YoY

Tier 1 Leverage Ratio

11.15%+143 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets-1.07%-1.23%-1.05%-0.71%-0.92%+15 bps
Return on Equity49.01%67.95%49.57%18.43%20.84%-2,817 bps
Net Interest Margin0.18%0.15%0.16%0.40%0.47%+29 bps
Efficiency Ratio277%289%274%181.02%247%-2,973 bps
Non-Interest Burden1.05%1.06%1.02%1.02%1.26%+20 bps
Growth
Asset Growth (YoY)1.00%16.21%-5.60%-15.65%-13.99%-1,500 bps
Loan Growth (YoY)-2.22%-6.90%-1.49%-5.11%-9.13%-691 bps
Deposit Growth (YoY)-3.69%1.54%8.76%-3.54%-0.52%+317 bps
Asset Quality
Nonperforming Loans / Loans1.43%0.52%0.78%0.64%0.83%-60 bps
Net Charge-Offs / Loans-0.03%1.10%1.01%0.00%0.23%+26 bps
Allowance / Loans1.28%1.11%1.15%1.17%1.10%-18 bps
Allowance Coverage of NPLs0.9x2.1x1.5x1.8x1.3x+0.4x
Capital
Tier 1 Leverage Ratio9.72%9.96%10.18%11.11%11.15%+143 bps
Total Risk-Based Capital9.72%9.96%10.18%11.11%11.15%+143 bps
Equity / Assets-3.11%-0.72%-3.46%-4.28%-5.55%-243 bps
Liquidity & Funding
Loans / Deposits21.54%21.14%19.90%20.19%19.67%-186 bps
Liquid Assets / Assets16.49%18.01%11.96%9.43%8.84%-766 bps
CRE / Total Capitaln/an/an/an/an/an/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

Bank of Brenham, National Association

Brenham, TX · Cert 57102 · Peer group: banks under $1B in assets in TX (n=221-224)

FDIC · 3 branches

Q2 2025

$576.9MAssets
$118.9MLoans
$604.2MDeposits
$-32016KEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 27% of banks under $1B in assets in TX (rank 163 of 221).
  • Widest gap: net interest margin trails 100% of banks under $1B in assets in TX (rank 224 of 224).
  • Overall: at or above the peer median on 0 of 8 directional measures.

Return on Assets

-0.95%

Rank 218 of 224

Net Interest Margin

0.47%

Rank 224 of 224

Efficiency Ratio

251%

Rank 223 of 224

Equity / Assets

-5.55%

Rank 221 of 224

Non-interest income vs. expense

$0.4M$9.1MINCOMEEXPENSE
Unfavorable gap of $8.7M · efficiency ratio beats 1% of banks under $1B in assets in TX
Bank 251%Peer median 63.4%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.95%0.75%1.14%1.55%Beats 3%218 / 224
Return on Equityn/aNot reported for this institution
Net Interest Margin0.47%3.18%3.72%4.29%Beats 0%224 / 224
Efficiency Ratio251%54.88%63.36%73.91%Beats 1%223 / 224
Asset Quality
Nonperforming Loans / Loans0.83%0.03%0.27%0.93%Beats 27%163 / 221
Net Charge-Offs / Loans0.15%0.00%0.01%0.06%Beats 12%195 / 221
Capital
Tier 1 Capital Ratio11.15%11.76%14.62%18.98%Beats 17%186 / 224
Total Risk-Based Capital Ratio11.15%11.87%15.07%19.86%Beats 17%187 / 224
Equity / Assets-5.55%8.61%10.54%12.31%Beats 1%221 / 224
Liquidity & Funding
Loans / Deposits19.67%48.74%69.29%83.16%4th pctl213 / 221
Loans / Assets20.60%42.63%60.45%70.41%5th pctl210 / 221
Brokered Deposits / Depositsn/aNot reported for this institution