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
Unfavorable gap of $8.7M · efficiency ratio beats 1% 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% | 0.75% | 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 |