BlastPoint's Banking Scorecard
Brazos National Bank
Designations: ✓ Community bank
Richwood, TX
Brazos National Bank has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.45% above tier average
- + Delinquency Rate 1.37% below tier average
- + Non-Interest-Bearing Deposit Share 52.79% above tier average
- + Nonperforming Asset Ratio 0.79% below tier average
- + Non-Interest Income / Assets 1.57% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 151.33% above tier average
- - ROA 0.08% below tier average
- - Efficiency Ratio 6.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$32.2M
+5.3% YoY
+3.1% QoQ
|
-$30.0M |
$62.2M
-0.6% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.9% in tier |
| Total Loans ? |
$23.2M
+14.4% YoY
+8.5% QoQ
|
-$11.0M |
$34.2M
-1.4% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$10.8M
+10.1% YoY
+8.9% QoQ
|
-$41.0M |
$51.7M
-0.7% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
Bottom 4.8% in tier |
| Return on Assets ? |
0.76%
-62.4% YoY
-67.1% QoQ
|
-0.08% |
0.84%
-2.3% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
40% |
| Net Interest Margin ? |
7.31%
-0.3% YoY
-4.9% QoQ
|
+3.45% |
3.86%
+2.8% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 0.1% in tier |
| Efficiency Ratio ? |
95.11%
+8.1% YoY
+6.1% QoQ
|
+6.76% |
88.34%
+0.3% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? | 0.00% | -1.37% |
1.37%
+33.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
215.54%
+3.9% YoY
-0.4% QoQ
|
+151.33% |
64.22%
-0.7% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
76.51%
+5.1% YoY
+2.1% QoQ
|
+52.79% |
23.71%
+0.3% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
Top 0.9% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.79% |
0.79%
+28.2% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
50.84%
-40.4% YoY
-41.6% QoQ
|
+24.16% |
26.68%
+2.0% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
Top 7.0% in tier |
| Non-Interest Income / Assets ? |
2.24%
-9.3% YoY
-79.3% QoQ
|
+1.57% |
0.67%
+1.9% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
Top 2.8% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.