BlastPoint's Banking Scorecard
The Brenham National Bank
Brenham, TX
4 branches across TX
The Brenham National Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.35% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.05% below tier average
- - Delinquency Rate 0.72% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$505.6M
+4.4% YoY
-2.1% QoQ
|
+$119.6M |
$386.1M
+0.5% YoY
|
$2.3B
+1.1% YoY
|
$6.2B
+9.1% YoY
|
73% |
| Total Loans ? |
$272.5M
+12.9% YoY
+6.1% QoQ
|
+$16.7M |
$255.7M
+1.1% YoY
|
$1.1B
+10.2% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$453.9M
+3.1% YoY
-2.3% QoQ
|
+$125.9M |
$328.0M
+0.1% YoY
|
$1.9B
+3.3% YoY
|
$4.8B
+8.2% YoY
|
75% |
| Return on Assets ? |
1.23%
+9.9% YoY
+2.3% QoQ
|
-0.04% |
1.27%
+12.9% YoY
|
1.40%
+10.3% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
3.88%
+1.2% YoY
+0.1% QoQ
|
-0.05% |
3.93%
+6.0% YoY
|
4.03%
+2.6% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
63.93%
+0.6% YoY
+5.8% QoQ
|
-1.35% |
65.29%
-4.5% YoY
|
63.18%
-2.3% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
1.61%
+943.6% YoY
-6.6% QoQ
|
+0.72% |
0.89%
+18.8% YoY
|
0.96%
+36.6% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
60.02%
+9.5% YoY
+8.7% QoQ
|
-16.62% |
76.64%
+0.8% YoY
|
67.20%
-0.8% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
30.43%
-4.7% YoY
+5.9% QoQ
|
+8.41% |
22.02%
-1.0% YoY
|
29.02%
-1.0% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.87%
+1.3% QoQ
|
+0.23% |
0.64%
+19.7% YoY
|
0.62%
+31.5% YoY
|
0.67%
+19.3% YoY
|
23% |
| Tier 1 Capital Ratio ? |
16.98%
-3.3% YoY
-4.5% QoQ
|
+1.15% |
15.83%
+1.5% YoY
|
18.04%
+0.0% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.07%
-11.1% YoY
-78.3% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.20%
+4.0% YoY
|
0.32%
+4.1% YoY
|
31% |
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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.