BlastPoint's Banking Scorecard
The Commercial National Bank of Brady
Micro
Specialty: Commercial
TX
FDIC cert 3110
Designations: ✓ Community bank
Brady, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
The Commercial National Bank of Brady shows strong momentum with 3 strengths and 15.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.17% above tier
- + Net Interest Margin 2.81% above tier
- + 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 ? |
$374.2M
+15.9% YoY
+1.0% QoQ
|
+$156.7M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$304.1M
+22.0% YoY
+0.8% QoQ
|
+$164.9M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$310.3M
+4.1% YoY
+10.2% QoQ
|
+$126.6M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
3.25%
+17.3% YoY
-7.9% QoQ
|
+2.17% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.67%
+15.4% YoY
-2.5% QoQ
|
+2.81% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
49.99%
-3.0% YoY
+5.4% QoQ
|
-17.74% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
98.01%
+17.2% YoY
-8.6% QoQ
|
+23.48% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.14%
-31.4% YoY
-1.1% QoQ
|
+4.75% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.01%
-0.9% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
12.61%
+1.6% YoY
-1.7% QoQ
|
+3.76% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.55%
-13.5% YoY
+28.5% QoQ
|
-0.02% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.25%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.67%
(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%)
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%
99
99th pctile
Net Interest Margin
Current: 6.67% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.25% · Tier avg: 1.08%
93
93th pctile
Total Loans
Current: $304.1M · Tier avg: $139.2M
90
90th pctile
Efficiency Ratio
Current: 49.99% · Tier avg: 67.73%
84
84th pctile
Total Assets
Current: $374.2M · Tier avg: $217.5M
83
83th pctile
Total Deposits
Current: $310.3M · Tier avg: $183.7M
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.14% · Tier avg: 22.39%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.61% · Tier avg: 8.85%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.01% · Tier avg: 74.53%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.01% · Tier avg: 74.53%
61
61th pctile
Tier 1 Capital Ratio
Current: 12.61% · Tier avg: 8.85%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.14% · Tier avg: 22.39%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
83
83th pctile
Total Deposits
Current: $310.3M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $374.2M · Tier avg: $217.5M
90
90th pctile
Efficiency Ratio
Current: 49.99% · Tier avg: 67.73%
93
93th pctile
Total Loans
Current: $304.1M · Tier avg: $139.2M
99
99th pctile
Return on Assets
Current: 3.25% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.67% · Tier avg: 3.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%