BlastPoint's Banking Scorecard
The Brenham National Bank
Brenham, TX
4 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 +11.1% year over year ($464.5M on the books).
- Delinquency rate 1.56%.
- Return on assets 1.41%.
- Efficiency ratio 61.24% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Brenham National Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 3.24% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.64% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$517.7M
+7.6% YoY
+2.4% QoQ
|
+$131.1M |
$386.6M
+1.2% YoY
|
$2.3B
+5.2% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$279.2M
+13.0% YoY
+2.5% QoQ
|
+$20.9M |
$258.3M
+1.7% YoY
|
$1.1B
+11.2% YoY
|
$3.2B
+9.4% YoY
|
64% |
| Total Deposits ? |
$464.5M
+11.1% YoY
+2.3% QoQ
|
+$137.7M |
$326.7M
+0.7% YoY
|
$2.0B
+7.3% YoY
|
$4.9B
+7.3% YoY
|
76% |
| Return on Assets ? |
1.41%
+33.6% YoY
+14.9% QoQ
|
+0.09% |
1.32%
+10.8% YoY
|
1.27%
-5.3% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.97%
+2.5% YoY
+2.3% QoQ
|
-0.02% |
3.99%
+5.0% YoY
|
4.08%
+2.2% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
61.24%
-2.0% YoY
-4.2% QoQ
|
-3.24% |
64.48%
-3.2% YoY
|
90.57%
+43.9% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
1.56%
-14.0% YoY
-3.1% QoQ
|
+0.64% |
0.92%
+15.7% YoY
|
0.94%
+18.8% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
60.12%
+1.7% YoY
+0.2% QoQ
|
-17.83% |
77.95%
+1.0% YoY
|
67.96%
-1.3% YoY
|
79.03%
+2.3% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
29.85%
-7.0% YoY
-1.9% QoQ
|
+7.82% |
22.03%
-0.6% YoY
|
29.12%
-0.7% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.84%
-9.7% YoY
-3.0% QoQ
|
+0.17% |
0.67%
+16.4% YoY
|
0.64%
+15.8% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
17.11%
-1.3% YoY
+0.8% QoQ
|
+1.21% |
15.91%
+1.4% YoY
|
18.23%
+1.1% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.17%
+1.7% YoY
+145.2% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.40%
+1.2% YoY
|
0.66%
+5.2% YoY
|
40% |
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 |
29.9%
-2.3pp YoY -0.6pp QoQ |
+7.7pp | 22.1% | 29.2% | 22.2% | 81% |
| 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 |
3.1%
-0.6pp YoY 0.0pp QoQ |
-8.4pp | 11.6% | 14.8% | 12.5% | 10% |
| CRE |
75.6%
+2.3pp YoY +0.9pp QoQ |
+36.1pp | 39.5% | 48.4% | 41.4% | 96% |
| 1-4 Family |
20.0%
-0.9pp YoY -1.1pp QoQ |
-12.6pp | 32.6% | 25.8% | 31.3% | 30% |
| Consumer |
1.3%
-0.6pp YoY 0.0pp QoQ |
-2.8pp | 4.1% | 4.7% | 5.0% | 35% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
17.1%
-0.2pp YoY +0.1pp QoQ |
-1.7pp | 18.8% | 22.7% | 19.7% | 64% |
| Leverage Ratio |
11.8%
+0.4pp YoY +0.3pp QoQ |
-0.4pp | 12.2% | 12.6% | 12.6% | 62% |
| Total Capital Ratio |
18.1%
0.0pp YoY +0.2pp QoQ |
-1.8pp | 19.9% | 23.8% | 20.8% | 64% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
61
0 YoY 0 QoQ |
+2 | 58 | 186 | 482 | 64% |
| Assets per Employee ($) |
$8.5M
+7.6% YoY +2.4% QoQ |
+$968K | $7.5M | $10.1M | $8.8M | 74% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 12 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.6%
-0.3pp YoY -0.1pp QoQ |
+0.6pp | 0.9% | 1.0% | 1.0% | 82% |
| Allowance Coverage |
0.76x
+52.4% YoY +7.6% QoQ |
-23.39x | 24.15x | 18.82x | 20.23x | 19% |
| Net Charge-off Rate (YTD) |
0.0%
-1.3pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 42% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.8%
+2.2pp YoY +1.8pp QoQ |
+2.6pp | 12.2% | 13.2% | 11.6% | 67% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 1.6% | 1.7% | 5% |
| Net Income ($, YTD) |
$3.6M
+40.9% YoY — QoQ |
+$1.1M | $2.6M | $15.9M | $40.4M | 77% |
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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.