Brenham, TX · Cert 57102
FDIC · 3 branches
Q2 2025
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
12
Asset Quality
20
Profitability
2
Liquidity
0
Efficiency
1
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.
Brenham, TX · Cert 57102
FDIC · 3 branches
Q2 2025
Market Position · College Station-Bryan, TX · 2025 SOD (annual) · 0.6% share · #20 of 27 inst. · $0.1B of $8.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.54% | -1.24% | -0.88% | -1.07% | -1.23% | -1.05% | -0.71% | -0.92% | +15 bps | |
| Return on Equity | 57.84% | 52.84% | 50.96% | 49.01% | 67.95% | 49.57% | 18.43% | 20.84% | -2,817 bps | |
| Net Interest Margin | 1.15% | 1.05% | 0.24% | 0.18% | 0.15% | 0.16% | 0.40% | 0.47% | +29 bps | |
| Efficiency Ratio | 75.53% | 84.85% | 226% | 277% | 289% | 274% | 181.02% | 247% | -2,973 bps | |
| Non-Interest Burden | 2.38% | 2.11% | 0.98% | 1.05% | 1.06% | 1.02% | 1.02% | 1.26% | +20 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.47% | 1.77% | 3.65% | 1.00% | 16.21% | -5.60% | -15.65% | -13.99% | -1,500 bps | |
| Loan Growth (YoY) | 35.94% | 17.27% | 8.61% | -2.22% | -6.90% | -1.49% | -5.11% | -9.13% | -691 bps | |
| Deposit Growth (YoY) | -4.07% | -10.65% | -0.92% | -3.69% | 1.54% | 8.76% | -3.54% | -0.52% | +317 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.10% | 1.34% | 2.19% | 1.43% | 0.52% | 0.78% | 0.64% | 0.83% | -60 bps | |
| Net Charge-Offs / Loans | 0.23% | 0.21% | 0.01% | -0.03% | 1.10% | 1.01% | 0.00% | 0.23% | +26 bps | |
| Allowance / Loans | 1.21% | 1.30% | 1.27% | 1.28% | 1.11% | 1.15% | 1.17% | 1.10% | -18 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.0x | 0.6x | 0.9x | 2.1x | 1.5x | 1.8x | 1.3x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.61% | 11.17% | 10.23% | 9.72% | 9.96% | 10.18% | 11.11% | 11.15% | +143 bps | |
| Total Risk-Based Capital | 31.03% | 11.17% | 10.23% | 9.72% | 9.96% | 10.18% | 11.11% | 11.15% | +143 bps | |
| Equity / Assets | -8.33% | -1.11% | -2.29% | -3.11% | -0.72% | -3.46% | -4.28% | -5.55% | -243 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 23.05% | 21.97% | 20.52% | 21.54% | 21.14% | 19.90% | 20.19% | 19.67% | -186 bps | |
| Liquid Assets / Assets | 7.48% | 11.06% | 20.06% | 16.49% | 18.01% | 11.96% | 9.43% | 8.84% | -766 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
Brenham, TX · Cert 57102 · Peer group: banks under $1B in assets in TX (n=221-224)
FDIC · 3 branches
Q2 2025
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
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.95% | 0.75% | 1.14% | 1.55% | Beats 3% | 218 / 224 | ||
| Return on Equity | n/a | Not reported for this institution | ||||||
| Net Interest Margin | 0.47% | 3.18% | 3.72% | 4.29% | Beats 0% | 224 / 224 | ||
| Efficiency Ratio | 251% | 54.88% | 63.36% | 73.91% | Beats 1% | 223 / 224 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.83% | 0.03% | 0.27% | 0.93% | Beats 27% | 163 / 221 | ||
| Net Charge-Offs / Loans | 0.15% | 0.00% | 0.01% | 0.06% | Beats 12% | 195 / 221 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 11.15% | 11.76% | 14.62% | 18.98% | Beats 17% | 186 / 224 | ||
| Total Risk-Based Capital Ratio | 11.15% | 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 / Deposits | 19.67% | 48.74% | 69.29% | 83.16% | 4th pctl | 213 / 221 | ||
| Loans / Assets | 20.60% | 42.63% | 60.45% | 70.41% | 5th pctl | 210 / 221 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||