| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +16.1% | +4.4% | +11.8 pts |
| Deposit growth (YoY) | +15.8% | +4.0% | +11.9 pts |
| Loan growth (YoY) | -4.8% | +5.6% | -10.3 pts |
| ROA | 1.23% | 1.24% | -0.0 pts |
| ROE | 15.1% | 11.9% | +3.2 pts |
ROA ranks in the 49th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $167.7M | $153.2M | $76.3M | $13.6M | $1.0M | 1.23% | 3.10% | 0.04% |
| Q1 2026 | $161.5M | $147.3M | $79.6M | $13.5M | $511K | 1.26% | 3.13% | 0.04% |
| Q4 2025 | $163.9M | $150.1M | $78.5M | $13.1M | $1.9M | 1.25% | 3.16% | 0.04% |
| Q3 2025 | $152.5M | $138.8M | $78.5M | $12.8M | $1.4M | 1.24% | 3.19% | 0.00% |
| Q2 2025 | $144.4M | $132.3M | $80.1M | $11.3M | $916K | 1.23% | 3.17% | 0.00% |
| Q1 2025 | $147.3M | $135.5M | $81.7M | $11.2M | $462K | 1.22% | 3.11% | 0.00% |
| Q4 2024 | $156.9M | $145.7M | $81.0M | $10.6M | $1.6M | 1.08% | 2.97% | 0.00% |
| Q3 2024 | $142.6M | $130.6M | $78.2M | $11.4M | $1.2M | 1.07% | 2.98% | 0.00% |
Loan mix (Q2 2026): real estate $54.0M · commercial $19.9M · consumer $2.4M · securities $48.3M
| Ratio | The Brady National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.23% | 1.24% | 49th | |
Return on equity Annualized net income ÷ equity or net worth | 15.1% | 11.9% | 69th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.10% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.9% | 62.9% | 53rd |
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 | The Brady 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 | The Brady 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 | The Brady 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 | The Brady 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 | The Brady 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 2025) · $153.2M branch deposits. Biggest market: McCulloch, TX, ranked 2nd with 38.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| McCulloch, TX | 1 | $153.2M | 38.24% | 2nd |
Texas: 454th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Technology spend in line with peers (21 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).