BlastPoint's Banking Scorecard
The Commercial National Bank of Brady
Brady, TX
5 branches across TX
The Commercial National Bank of Brady shows strong momentum with 4 strengths and 20.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 42.6% in tier
- + Return on Assets 1.66% above tier average
- + Efficiency Ratio 12.02% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$397.2M
+20.2% YoY
+6.1% QoQ
|
+$11.1M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
61% |
| Total Loans ? |
$300.5M
+14.7% YoY
-1.2% QoQ
|
+$44.8M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
68% |
| Total Deposits ? |
$339.2M
+12.2% YoY
+9.3% QoQ
|
+$11.2M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
2.93%
-4.4% YoY
-10.0% QoQ
|
+1.66% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
Top 2.3% in tier |
| Net Interest Margin ? |
6.18%
+2.2% YoY
-7.3% QoQ
|
+2.25% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
Top 1.2% in tier |
| Efficiency Ratio ? |
53.27%
+5.5% YoY
+6.6% QoQ
|
-12.02% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
78% |
| Delinquency Rate ? |
0.02%
-99.3% YoY
|
-0.87% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
88.60%
+2.3% YoY
-9.6% QoQ
|
+11.97% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
30.51%
-23.3% YoY
+12.4% QoQ
|
+8.49% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.03%
-98.7% YoY
+93.6% QoQ
|
-0.61% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
13.45%
+7.2% YoY
+6.7% QoQ
|
-2.38% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.12%
-39.2% YoY
-77.9% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
63% |
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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)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.