| Metric | Brazos National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -13.6% | +3.0% | -16.6 pts |
| Deposit growth (YoY) | -1.0% | +2.5% | -3.5 pts |
| Loan growth (YoY) | -35.4% | +2.6% | -38.0 pts |
| ROA | 1.36% | 0.99% | +0.4 pts |
| ROE | 2.5% | 8.1% | -5.5 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $27.6M | $11.1M | $15.4M | $16.4M | $207K | 1.36% | 6.98% | 2.83% |
| Q1 2026 | $32.2M | $10.8M | $23.2M | $16.3M | $60K | 0.76% | 7.31% | 0.00% |
| Q4 2025 | $31.2M | $9.9M | $21.4M | $16.2M | $709K | 2.30% | 7.68% | 0.00% |
| Q3 2025 | $31.8M | $10.7M | $22.4M | $16.0M | $458K | 1.99% | 7.58% | 0.00% |
| Q2 2025 | $32.0M | $11.2M | $23.8M | $15.7M | $160K | 1.05% | 7.44% | 0.00% |
| Q1 2025 | $30.6M | $9.8M | $20.3M | $15.7M | $149K | 2.02% | 7.33% | 0.00% |
| Q4 2024 | $28.6M | $10.9M | $19.3M | $15.5M | $431K | 1.44% | 8.02% | 0.91% |
| Q3 2024 | $30.0M | $11.4M | $20.1M | $15.4M | $348K | 1.53% | 7.95% | 3.58% |
Loan mix (Q2 2026): real estate $15.3M · commercial $22K · consumer $93K · securities $0
| Ratio | Brazos National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 0.99% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 2.5% | 8.1% | 22nd | |
Net interest margin Interest income − interest expense, ÷ assets | 6.98% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.2% | 70.8% | 85th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Brazos National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Brazos National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Brazos National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Brazos National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Brazos National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $11.2M branch deposits. Biggest market: Brazoria, TX, ranked 37th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Brazoria, TX | 1 | $11.2M | 0.13% | 37th |
Texas: 760th with 0.00% · Houston-Pasadena-The Woodlands metro: 168th, 0.00% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1