Brazos National Bank
Richwood, TX·RSSD 863362·FDIC 24038·bank:863362·Risk-based ratios where reported
- #349 of 352Total assets in Texas
- 1offices
- 26employees
- Top 1%Net interest margin vs. peers
- Top 2%Cost of deposits vs. peers
- Top 9%Fee income vs. peers
Performance over time
23 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
FDIC reported categories · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Brazos National Bank
7 of 23 FORFI signals stand out against 583 similar banks, based on FDIC data for the quarter.
Borrowed funding falling while the peer median holds steadyNotable: Funding0.0%peers 0.0%0.0 pp
Brazos National Bank's borrowings as a share of assets fell 15.6 percentage points over the past year to 0.0%. Among 575 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Borrowings as a share of assets | ||
| 0.0% | 0.0% | 0.0 pp |
| 12-month change | ||
| -15.6 pp | 0.0 pp | -15.6 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brazos National Bank itself is left out of every peer median and percentile. How signals work
Loans shrinking while the peer median growsNotable: Lending-35.8%peers +2.6%-38.4 pp
Brazos National Bank's loans declined 35.8% over the past year to $15.4 million. The median among 518 similar banks was +2.6%.
| This institution | Peer median | Difference |
|---|---|---|
| Loans, 12-month growth | ||
| -35.8% | +2.6% | -38.4 pp |
| Loans | ||
| $15.4 million | ||
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brazos National Bank itself is left out of every peer median and percentile. How signals work
Net interest margin narrowing while the peer median widensWorth a look: Earnings6.40%peers 3.94%+246 bps
Brazos National Bank's net interest margin fell 114 bps over the past year to 6.40%. Among 568 similar banks, the median rose 13 bps.
| This institution | Peer median | Difference |
|---|---|---|
| Net interest margin | ||
| 6.40% | 3.94% | +246 bps |
| 12-month change | ||
| -114 bps | +13 bps | -127 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brazos National Bank itself is left out of every peer median and percentile. How signals work
Leverage capital ratio rising faster than peersStrength: Capital56.08%peers 13.04%+43.0 pp
Brazos National Bank's leverage ratio rose 7.2 percentage points over the past year to 56.08%. Among 575 similar banks, the median rose 0.1 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Leverage ratio | ||
| 56.08% | 13.04% | +43.0 pp |
| 12-month change | ||
| +7.2 pp | +0.1 pp | +7.1 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brazos National Bank itself is left out of every peer median and percentile. How signals work
Problem loans rising while the peer median holds steadyWorth a look: Asset quality5.07%peers 0.46%+461 bps
Brazos National Bank's noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans rose 507 bps over the past year to 5.07%. Among 518 similar banks, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Noncurrent loans (nonaccrual plus 90+ days past due) as a share of loans | ||
| 5.07% | 0.46% | +461 bps |
| 12-month change | ||
| +507 bps | 0 bps | +507 bps |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brazos National Bank itself is left out of every peer median and percentile. How signals work
2 more observations
- Deposit costs among the lowest of similar banksFunding
- Return on assets rising faster than peersEarnings
Key facts
- Brazos National Bank is a bank headquartered in Richwood, Texas. It reported $27.6 million in total assets for the quarter ended June 30, 2026.
- Deposits totaled $11.1 million, down 1.0% from a year earlier, and loans totaled $15.4 million, down 35.8%.
- Its net interest margin was 6.40% and its annualized return on assets was 1.97% for the quarter.
- Its cost of all deposits was 0.11%, compared with a median of 1.51% among 538 similar banks with under $100 million in assets.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Brazos National Bank's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Brazos National Bank · Bank
- Federal Reserve RSSD
- 863362
- FDIC certificate
- 24038
- Reporting period
- Peer group
- 583 banks with under $100 million in assets that filed FDIC data for the same quarter. Brazos National Bank itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
FDIC · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation | FDIC published reference |
|---|---|---|
| $147K | — | |
| $400K | — | |
| $3K | — | |
| $397K | — | |
| $978K | — | |
| $1.26M | — | |
| -$30K | — | |
| -$30K | — | |
| 1.97% | 1.97%ROAQ · Quarter | |
| 6.40% | 6.38%NIMYQ · Quarter | |
| 91.49% | 91.49%EEFFQR · adjusted · Quarter |
Credit-quality reconciliation · Source components agree. NALNLS (nonaccrual) + P9LNLS (90+ days accruing) = NCLNLS (noncurrent).
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-25T00:32:31.073937+00:00. Separate reference provenance is included in the export.