BlastPoint's Banking Scorecard
Brazos National Bank
Micro
Specialty: Mortgage
TX
FDIC cert 24038
Designations: ✓ Community bank
Richwood, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Brazos National Bank has 6 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.22% above tier
- + Net Interest Margin 3.83% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 52.53% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 10.27% above tier
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.94% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.2M
+9.3% YoY
-1.9% QoQ
|
-$186.3M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$21.4M
+11.0% YoY
-4.5% QoQ
|
-$117.8M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$9.9M
-9.5% YoY
-7.7% QoQ
|
-$173.8M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
2.30%
+60.0% YoY
+15.7% QoQ
|
+1.22% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
7.68%
-4.2% YoY
+1.3% QoQ
|
+3.83% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
89.67%
-1.3% YoY
-2.5% QoQ
|
+21.94% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
216.45%
+22.6% YoY
+3.5% QoQ
|
+141.92% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
74.93%
-1.6% YoY
-0.8% QoQ
|
+52.53% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
87.09%
+1.6% YoY
+4.0% QoQ
|
+78.24% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
10.83%
+9.9% YoY
+38.2% QoQ
|
+10.27% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (6)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
7.68%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
74.93%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
10.83%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.67%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 74.93% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Net Interest Margin
Current: 7.68% · Tier avg: 3.85%
100
100th pctile
Non-Interest Income / Assets
Current: 10.83% · Tier avg: 0.56%
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 89.67% · Tier avg: 67.73%
7
7th pctile
Total Loans
Current: $21.4M · Tier avg: $139.2M
3
3th pctile
Total Assets
Current: $31.2M · Tier avg: $217.5M
1
1th pctile
Total Deposits
Current: $9.9M · Tier avg: $183.7M
Top Weaknesses
1
1th pctile
Total Deposits
Current: $9.9M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $31.2M · Tier avg: $217.5M
7
7th pctile
Total Loans
Current: $21.4M · Tier avg: $139.2M
9
9th pctile
Efficiency Ratio
Current: 89.67% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
100
100th pctile
Non-Interest Income / Assets
Current: 10.83% · Tier avg: 0.56%
100
100th pctile
Net Interest Margin
Current: 7.68% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Non-Interest-Bearing Deposit Share
Current: 74.93% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%