BlastPoint's Banking Scorecard

Brazos National Bank

under $100M Specialty: Mortgage TX FDIC cert 24038

Designations: ✓ Community bank

Richwood, TX

537 banks in the under $100M peer group nationally 37 in 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 3.44% above tier average
+ Delinquency Rate 1.36% below tier average
+ Non-Interest-Bearing Deposit Share 52.72% above tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Non-Interest Income / Assets 1.57% above tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 151.44% above tier average
- ROA 0.10% below tier average
- Efficiency Ratio 7.48% above tier average

Get updates when Brazos National Bank releases new data →

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	-$30.1M	$62.3M -0.5% YoY	$2.2B +1.1% YoY	$6.2B +9.0% YoY	Bottom 13.6% in tier
Total Loans ?	$23.2M +14.4% YoY +8.5% QoQ	-$11.1M	$34.3M -1.5% YoY	$1.0B +10.3% YoY	$3.2B +10.7% YoY	34%
Total Deposits ?	$10.8M +10.1% YoY +8.9% QoQ	-$41.1M	$51.8M -0.6% YoY	$1.9B +3.3% YoY	$4.8B +8.0% YoY	Bottom 4.7% in tier
Return on Assets ?	0.76% -62.4% YoY -67.1% QoQ	-0.10%	0.86% -3.6% YoY	1.40% +10.4% YoY	1.24% +13.1% YoY	40%
Net Interest Margin ?	7.31% -0.3% YoY -4.9% QoQ	+3.44%	3.87% +2.7% YoY	4.02% +2.6% YoY	3.89% +5.7% YoY	Top 0.1% in tier
Efficiency Ratio ?	95.11% +8.1% YoY +6.1% QoQ	+7.48%	87.63% +2.3% YoY	63.21% -2.3% YoY	66.84% -3.8% YoY	15%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	0.96% +37.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	215.54% +3.9% YoY -0.4% QoQ	+151.44%	64.11% -0.9% YoY	67.20% -0.8% YoY	76.69% +0.9% YoY	Bottom 0.4% in tier
Non-Interest-Bearing Deposit Share ?	76.51% +5.1% YoY +2.1% QoQ	+52.72%	23.79% +0.5% YoY	29.01% -1.0% YoY	22.01% -1.1% YoY	Top 0.9% in tier
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.62% +32.0% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	50.84% -40.4% YoY -41.6% QoQ	+24.07%	26.77% +2.0% YoY	18.06% +0.0% YoY	17.06% +0.8% YoY	Top 7.1% in tier
Non-Interest Income / Assets ?	2.24% -9.3% YoY -79.3% QoQ	+1.57%	0.67% +1.6% YoY	0.20% +4.1% YoY	0.32% +4.0% YoY	Top 2.8% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 537 peers in under $100M

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 7.31%

Peer Median: 3.87%

#1 of 537 Top 0.1% in under $100M

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 76.51%

Peer Median: 23.79%

#6 of 537 Top 0.9% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 2.24%

Peer Median: 0.67%

#16 of 537 Top 2.8% in under $100M

Tier 1 Capital Ratio

capital

Value: 50.84%

Peer Median: 26.77%

#39 of 537 Top 7.1% in under $100M

Top Weaknesses (4 metrics)

536

Loan-to-Deposit Ratio

liquidity

Value: 215.54%

Peer Median: 64.11%

#536 of 537 Bottom 0.4% in under $100M

513

Total Deposits

size

Value: $10.77M

Peer Median: $51.83M

#513 of 537 Bottom 4.7% in under $100M

465

Total Assets

size

Value: $32.19M

Peer Median: $62.28M

#465 of 537 Bottom 13.6% in under $100M

455

Efficiency Ratio

profitability

Value: 95.11%

Peer Median: 87.63%

#455 of 537 Bottom 15.5% in under $100M