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The Commercial National Bank of Brady

$100M-$1B Specialty: Commercial TX FDIC cert 3110

Brady, TX

5 branches across 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 +20.0% year over year ($365.2M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 2.90%.
  • Efficiency ratio 50.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 89.26% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 219 in TX
View $100M-$1B leaderboard (TX) →

The Commercial National Bank of Brady shows strong momentum with 4 strengths and 14.8% YoY asset growth

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

  • + Deposit Franchise: Top 10.1% in tier
  • + Return on Assets 1.58% above tier average
  • + Efficiency Ratio 14.19% below tier average
  • + Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The Commercial National Bank of Brady releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Total Assets ? $425.4M
+14.8% YoY +7.1% QoQ
+$38.8M $386.6M
+1.2% YoY
$2.3B
+5.2% YoY
$6.3B
+7.7% YoY
65%
Total Loans ? $326.0M
+12.5% YoY +8.5% QoQ
+$67.7M $258.3M
+1.7% YoY
$1.1B
+11.2% YoY
$3.2B
+9.4% YoY
71%
Total Deposits ? $365.2M
+20.0% YoY +7.7% QoQ
+$38.5M $326.7M
+0.7% YoY
$2.0B
+7.3% YoY
$4.9B
+7.3% YoY
65%
Return on Assets ? 2.90%
-12.7% YoY -1.0% QoQ
+1.58% 1.32%
+10.8% YoY
1.27%
-5.3% YoY
1.30%
+12.1% YoY
Top 2.5% in tier
Net Interest Margin ? 6.72%
+0.6% YoY +8.8% QoQ
+2.74% 3.99%
+5.0% YoY
4.08%
+2.2% YoY
3.95%
+4.9% YoY
Top 0.6% in tier
Efficiency Ratio ? 50.29%
+1.1% YoY -5.6% QoQ
-14.19% 64.48%
-3.2% YoY
90.57%
+43.9% YoY
70.05%
+2.5% YoY
82%
Delinquency Rate ? 0.00%
-99.8% YoY -87.3% QoQ
-0.92% 0.92%
+15.7% YoY
0.94%
+18.8% YoY
0.98%
+16.3% YoY
Top 12.5% in tier
Loan-to-Deposit Ratio ? 89.26%
-6.2% YoY +0.7% QoQ
+11.31% 77.95%
+1.0% YoY
67.96%
-1.3% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 38.40%
+29.8% YoY +25.8% QoQ
+16.37% 22.03%
-0.6% YoY
29.12%
-0.7% YoY
21.98%
-0.6% YoY
Top 5.9% in tier
Nonperforming Asset Ratio ? 0.03%
-97.4% YoY -0.0% QoQ
-0.64% 0.67%
+16.4% YoY
0.64%
+15.8% YoY
0.69%
+15.8% YoY
82%
Tier 1 Capital Ratio ? 13.18%
+6.9% YoY -2.1% QoQ
-2.73% 15.91%
+1.4% YoY
18.23%
+1.1% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.24%
-19.7% YoY +99.6% QoQ
-0.32% 0.57%
+7.6% YoY
0.40%
+1.2% YoY
0.66%
+5.2% YoY
61%

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 38.4%
+8.8pp YoY
+7.9pp QoQ
 +16.2pp 22.1% 29.2% 22.2% 94%
Brokered Deposits 6.8%
-0.5pp QoQ
 -1.0pp 7.9% 8.0% 8.5% 63%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
C&I 34.4%
+2.3pp YoY
+1.5pp QoQ
 +22.8pp 11.6% 14.8% 12.5% 97%
CRE 32.4%
-3.6pp YoY
-2.6pp QoQ
 -7.1pp 39.5% 48.4% 41.4% 39%
1-4 Family 24.7%
+0.9pp YoY
+1.5pp QoQ
 -7.9pp 32.6% 25.8% 31.3% 40%
Consumer 2.1%
-0.3pp YoY
0.0pp QoQ
 -2.0pp 4.1% 4.7% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
CET1 Ratio 13.2%
+0.8pp YoY
-0.3pp QoQ
 -5.6pp 18.8% 22.7% 19.7% 30%
Leverage Ratio 10.2%
0.0pp YoY
-0.1pp QoQ
 -1.9pp 12.2% 12.6% 12.6% 36%
Total Capital Ratio 14.4%
+0.9pp YoY
-0.3pp QoQ
 -5.6pp 19.9% 23.8% 20.8% 30%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Full-Time Employees 73
+11 (+17.7%) YoY
+5 (+7.4%) QoQ
 +14 58 186 482 73%
Assets per Employee ($) $5.8M
-2.5% YoY
-0.2% QoQ
 -$1.7M $7.5M $10.1M $8.8M 30%
Branch Count 5
0 YoY
0 QoQ
 0 4 12 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-1.4pp YoY
 -0.3pp 0.3% 0.3% 0.4% 8%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 473.62x
+57548.2% YoY
+647.7% QoQ
 +449.47x 24.15x 18.82x 20.23x 99%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
 -0.1pp 0.1% 0.1% 0.2% 37%

Profitability

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
ROE 31.8%
-9.9pp YoY
-0.4pp QoQ
 +19.6pp 12.2% 13.2% 11.6% 98%
Cost of Funds (YTD) 2.1%
+0.2pp YoY
-0.1pp QoQ
 +0.3pp 1.7% 1.6% 1.7% 74%
Net Income ($, YTD) $5.8M
+2.1% YoY
— QoQ
 +$3.2M $2.6M $15.9M $40.4M 91%

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 (1)

Deposit Franchise

growth
#29 of 278 • Top 10.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 38.40%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 6.72%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

17
Net Interest Margin
profitability
Value: 6.72%
Peer Median: 3.99%
#17 of 2643 Top 0.6% in $100M-$1B
67
Return on Assets
profitability
Value: 2.90%
Peer Median: 1.32%
#67 of 2643 Top 2.5% in $100M-$1B
158
Non-Interest-Bearing Deposit Share
funding
Value: 38.40%
Peer Median: 22.03%
#158 of 2643 Top 5.9% in $100M-$1B
331
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#331 of 2633 Top 12.5% in $100M-$1B
464
Efficiency Ratio
profitability
Value: 50.29%
Peer Median: 64.48%
#464 of 2643 Top 17.5% in $100M-$1B
469
Nonperforming Asset Ratio
credit_quality
Value: 0.03%
Peer Median: 0.67%
#469 of 2643 Top 17.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
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