BlastPoint's Banking Scorecard
The Brady National Bank
Micro
Specialty: Other
TX
FDIC cert 3109
Designations: ✓ Community bank
Brady, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Brady National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$163.9M
+4.5% YoY
+7.5% QoQ
|
-$53.6M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$78.5M
-3.1% YoY
+0.0% QoQ
|
-$60.7M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$150.1M
+3.0% YoY
+8.1% QoQ
|
-$33.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
1.25%
+15.8% YoY
+0.1% QoQ
|
+0.16% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
61% |
| Net Interest Margin ? |
3.16%
+6.4% YoY
-0.8% QoQ
|
-0.69% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
64.65%
-3.7% YoY
-0.5% QoQ
|
-3.08% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? | 0.00% | -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 ? |
52.29%
-6.0% YoY
-7.5% QoQ
|
-22.24% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
19.51%
-0.3% YoY
-4.2% QoQ
|
-2.88% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? | 0.04% | -0.42% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
76% |
| Tier 1 Capital Ratio ? |
18.30%
+8.4% YoY
-0.7% QoQ
|
+9.45% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.54%
+5.1% YoY
+27.3% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (0)
No concerns identified
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%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.29% · Tier avg: 74.53%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.30% · Tier avg: 8.85%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
61
61th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
54
54th pctile
Efficiency Ratio
Current: 64.65% · Tier avg: 67.73%
45
45th pctile
Total Deposits
Current: $150.1M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $163.9M · Tier avg: $217.5M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.51% · Tier avg: 22.39%
33
33th pctile
Total Loans
Current: $78.5M · Tier avg: $139.2M
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
Top Weaknesses
21
21th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.85%
33
33th pctile
Total Loans
Current: $78.5M · Tier avg: $139.2M
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.51% · Tier avg: 22.39%
42
42th pctile
Total Assets
Current: $163.9M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $150.1M · Tier avg: $183.7M
54
54th pctile
Efficiency Ratio
Current: 64.65% · Tier avg: 67.73%
61
61th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
73
73th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.56%
76
76th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.30% · Tier avg: 8.85%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.29% · Tier avg: 74.53%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%