BlastPoint's Banking Scorecard
The Brady National Bank
Brady, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 219 in TX.
- Deposits +15.8% year over year ($153.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.23%.
- Efficiency ratio 63.86% vs a 64.48% peer average.
- Loan-to-deposit ratio 49.76% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Brady National Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 41.1% in tier
- + Efficiency Ratio 0.62% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
- - Net Interest Margin 0.88% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$167.7M
+16.2% YoY
+3.9% QoQ
|
-$218.9M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$76.3M
-4.8% YoY
-4.2% QoQ
|
-$182.1M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
Bottom 8.9% in tier |
| Total Deposits ? |
$153.2M
+15.8% YoY
+4.0% QoQ
|
-$173.5M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.23%
+0.2% YoY
-2.3% QoQ
|
-0.09% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.10%
-2.1% YoY
-0.7% QoQ
|
-0.88% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.7% in tier |
| Efficiency Ratio ? |
63.86%
-2.5% YoY
+1.3% QoQ
|
-0.62% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
49.76%
-17.8% YoY
-7.9% QoQ
|
-28.20% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
Top 8.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.55%
-6.7% YoY
-10.2% QoQ
|
-2.48% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.04%
-3.7% QoQ
|
-0.63% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
19.57%
+8.5% YoY
+6.2% QoQ
|
+3.66% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
Top 14.6% in tier |
| Non-Interest Income / Assets ? |
0.24%
-20.9% YoY
+98.4% QoQ
|
-0.32% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
62% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
19.5%
-1.4pp YoY -2.2pp QoQ |
-2.6pp | 22.1% | 29.2% | 22.2% | 43% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
26.1%
+1.1pp YoY +0.3pp QoQ |
+14.6pp | 11.6% | 14.8% | 12.5% | 94% |
| CRE |
19.3%
-8.3pp YoY -6.1pp QoQ |
-20.2pp | 39.5% | 48.4% | 41.4% | 17% |
| 1-4 Family |
44.0%
+7.1pp YoY +5.3pp QoQ |
+11.3pp | 32.6% | 25.8% | 31.3% | 76% |
| Consumer |
3.2%
-0.3pp YoY +0.1pp QoQ |
-1.0pp | 4.1% | 4.7% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
19.6%
+1.5pp YoY +1.1pp QoQ |
+0.7pp | 18.8% | 22.7% | 19.7% | 76% |
| Leverage Ratio |
10.0%
-0.4pp YoY +0.2pp QoQ |
-2.2pp | 12.2% | 12.6% | 12.6% | 31% |
| Total Capital Ratio |
20.8%
+1.5pp YoY +1.1pp QoQ |
+0.9pp | 19.9% | 23.8% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-1 (-4.8%) YoY 0 QoQ |
-39 | 58 | 186 | 482 | 11% |
| Assets per Employee ($) |
$8.4M
+22.0% YoY +3.9% QoQ |
+$867K | $7.5M | $10.1M | $8.8M | 73% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 12 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.82x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.1%
-1.5pp YoY -0.3pp QoQ |
+2.9pp | 12.2% | 13.2% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY -0.1pp QoQ |
-0.1pp | 1.7% | 1.6% | 1.7% | 42% |
| Net Income ($, YTD) |
$1.0M
+10.2% YoY — QoQ |
-$1.5M | $2.6M | $15.9M | $40.4M | 27% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.