BlastPoint's Banking Scorecard

Brazos National Bank

under $100M Specialty: Mortgage TX FDIC cert 24038

Designations: ✓ Community bank

Richwood, TX

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 536 banks in the under $100M peer group nationwide — 1 of 38 in TX.
Deposits -1.0% year over year ($11.1M on the books).
Delinquency rate 5.09%.
Return on assets 1.36%.
Efficiency ratio 93.18% vs a 119.40% peer average.
Loan-to-deposit ratio 138.82% vs a 74.21% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

536 banks in the under $100M peer group nationally 38 in TX

View under $100M leaderboard (TX) →

Brazos National Bank has 5 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 3.07% above tier average
+ Non-Interest-Bearing Deposit Share 51.42% above tier average
+ Non-Interest Income / Assets 4.77% above tier average
+ ROA 0.37% above tier average
+ Efficiency Ratio 26.21% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.60% above tier average
- Loan-to-Deposit Ratio 64.61% above tier average
- Nonperforming Asset Ratio 1.99% above tier average

Get updates when Brazos National Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Total Assets ?	$27.6M -13.6% YoY -14.1% QoQ	-$34.8M	$62.4M -0.0% YoY	$2.3B +5.2% YoY	$6.3B +7.7% YoY	Bottom 9.3% in tier
Total Loans ?	$15.4M -35.4% YoY -33.7% QoQ	-$19.5M	$34.9M -0.6% YoY	$1.1B +11.2% YoY	$3.2B +9.4% YoY	19%
Total Deposits ?	$11.1M -1.0% YoY +2.9% QoQ	-$40.5M	$51.6M -0.2% YoY	$2.0B +7.3% YoY	$4.9B +7.3% YoY	Bottom 5.0% in tier
Return on Assets ?	1.36% +29.5% YoY +80.2% QoQ	+0.37%	1.00% +3.5% YoY	1.27% -5.3% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	6.98% -6.1% YoY -4.4% QoQ	+3.07%	3.91% +2.3% YoY	4.08% +2.2% YoY	3.95% +4.9% YoY	Top 0.2% in tier
Efficiency Ratio ?	93.18% +0.2% YoY -2.0% QoQ	-26.21%	119.40% +49.6% YoY	90.57% +43.9% YoY	70.05% +2.5% YoY	Bottom 14.9% in tier
Delinquency Rate ?	5.09%	+3.60%	1.48% +31.8% YoY	0.94% +18.8% YoY	0.98% +16.3% YoY	Bottom 5.6% in tier
Loan-to-Deposit Ratio ?	138.82% -34.7% YoY -35.6% QoQ	+64.61%	74.21% +12.6% YoY	67.96% -1.3% YoY	79.03% +2.3% YoY	Bottom 1.5% in tier
Non-Interest-Bearing Deposit Share ?	74.91% -1.9% YoY -2.1% QoQ	+51.42%	23.49% +0.6% YoY	29.12% -0.7% YoY	21.98% -0.6% YoY	Top 0.9% in tier
Nonperforming Asset Ratio ?	2.83%	+1.99%	0.84% +23.0% YoY	0.64% +15.8% YoY	0.69% +15.8% YoY	Bottom 5.6% in tier
Tier 1 Capital Ratio ?	99.15% +27.2% YoY +95.0% QoQ	+72.02%	27.13% +3.0% YoY	18.23% +1.1% YoY	17.09% +0.8% YoY	Top 3.2% in tier
Non-Interest Income / Assets ?	6.15% +26.7% YoY +174.3% QoQ	+4.77%	1.38% +6.3% YoY	0.40% +1.2% YoY	0.66% +5.2% YoY	Top 3.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Noninterest-Bearing	74.9% -1.5pp YoY -1.6pp QoQ	+50.3pp	24.6%	29.2%	22.2%	99%
Brokered Deposits	n/a	n/a	9.8%	8.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
C&I	0.1% -0.1pp YoY 0.0pp QoQ	-13.3pp	13.4%	14.8%	12.5%	1%
CRE	n/a	n/a	25.2%	48.4%	41.4%	n/a
1-4 Family	91.6% -6.0pp YoY -5.5pp QoQ	+56.6pp	35.0%	25.8%	31.3%	97%
Consumer	0.6% +0.1pp YoY +0.2pp QoQ	-7.1pp	7.7%	4.7%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
CET1 Ratio	99.2% +21.2pp YoY	+60.5pp	38.7%	22.7%	19.7%	94%
Leverage Ratio	56.1% +7.2pp YoY +5.2pp QoQ	+38.4pp	17.7%	12.6%	12.6%	95%
Total Capital Ratio	99.5% +20.3pp YoY	+59.8pp	39.7%	23.8%	20.8%	93%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Full-Time Employees	26 0 YoY 0 QoQ	+14	12	186	482	96%
Assets per Employee ($)	$1.1M -13.6% YoY -14.1% QoQ	-$5.1M	$6.2M	$10.1M	$8.8M	2%
Branch Count	1 0 YoY 0 QoQ	-1	1	12	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Past Due 90+ Days	5.1%	+4.1pp	1.0%	0.3%	0.4%	98%
Nonaccrual	n/a	n/a	1.7%	1.0%	1.0%	n/a
Allowance Coverage	0.07x	-6.34x	6.41x	18.82x	20.23x	0%
Net Charge-off Rate (YTD)	n/a	n/a	0.2%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
ROE	2.5% +0.5pp YoY +1.1pp QoQ	-3.9pp	6.4%	13.2%	11.6%	22%
Cost of Funds (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-1.4pp	1.4%	1.6%	1.7%	1%
Net Income ($, YTD)	$207,000 +29.4% YoY — QoQ	-$111K	$317,817	$15.9M	$40.4M	38%

Get Full Access to Brazos National Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 536 peers in under $100M

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 6.98%

Peer Median: 3.91%

#2 of 536 Top 0.2% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 74.91%

Peer Median: 23.49%

#6 of 536 Top 0.9% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 6.15%

Peer Median: 1.38%

#17 of 536 Top 3.0% in under $100M

Tier 1 Capital Ratio

capital

Value: 99.15%

Peer Median: 27.13%

#18 of 536 Top 3.2% in under $100M

Top Weaknesses (7 metrics)

529

Loan-to-Deposit Ratio

liquidity

Value: 138.82%

Peer Median: 74.21%

#529 of 536 Bottom 1.5% in under $100M

510

Total Deposits

size

Value: $11.08M

Peer Median: $51.62M

#510 of 536 Bottom 5.0% in under $100M

507

Nonperforming Asset Ratio

credit_quality

Value: 2.83%

Peer Median: 0.84%

#507 of 536 Bottom 5.6% in under $100M

489

Delinquency Rate

credit_quality

Value: 5.09%

Peer Median: 1.48%

#489 of 517 Bottom 5.6% in under $100M

487

Total Assets

size

Value: $27.64M

Peer Median: $62.44M

#487 of 536 Bottom 9.3% in under $100M

457

Efficiency Ratio

profitability

Value: 93.18%

Peer Median: 119.40%

#457 of 536 Bottom 14.9% in under $100M

433

Total Loans

size

Value: $15.38M

Peer Median: $34.89M

#433 of 536 Bottom 19.4% in under $100M