BlastPoint's Banking Scorecard
The Brenham National Bank
Community
Specialty: Commercial
TX
FDIC cert 3113
Brenham, TX
1484
banks in Community tier nationally
136 in TX
View Community leaderboard (TX) →
The Brenham National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 27.82% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$516.6M
+4.5% YoY
+5.6% QoQ
|
-$874.9M |
$1.4B
+2.0% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$256.7M
+7.3% YoY
+3.2% QoQ
|
-$718.8M |
$975.5M
+2.4% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$464.7M
+2.7% YoY
+5.8% QoQ
|
-$699.9M |
$1.2B
+1.7% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.20%
+4.6% YoY
+7.8% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.87%
+16.9% YoY
+0.0% QoQ
|
+0.21% |
3.66%
+9.1% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
60.40%
-7.3% YoY
-3.9% QoQ
|
-2.23% |
62.63%
-5.3% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
1.72%
+984.1% YoY
-6.6% QoQ
|
+1.09% |
0.63%
+18.3% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
55.24%
+4.5% YoY
-2.5% QoQ
|
-27.82% |
83.06%
+0.3% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.75%
-5.6% YoY
-4.8% QoQ
|
+7.70% |
21.05%
-0.9% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.86%
-8.8% QoQ
|
+0.36% |
0.50%
+20.3% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
17.79%
+2.4% YoY
+0.9% QoQ
|
+7.54% |
10.24%
-0.6% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.32%
+1.8% YoY
+28.1% QoQ
|
-0.42% |
0.74%
-1.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
55.24%
(Tier avg: 83.06%, National avg: 78.04%)
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
88
88th pctile
Tier 1 Capital Ratio
Current: 17.79% · Tier avg: 10.24%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 28.75% · Tier avg: 21.05%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
56
56th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.16%
55
55th pctile
Efficiency Ratio
Current: 60.40% · Tier avg: 62.63%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.72% · Tier avg: 0.63%
8
8th pctile
Total Deposits
Current: $464.7M · Tier avg: $1.2B
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.24% · Tier avg: 83.06%
3
3th pctile
Total Assets
Current: $516.6M · Tier avg: $1.4B
2
2th pctile
Total Loans
Current: $256.7M · Tier avg: $975.5M
Top Weaknesses
2
2th pctile
Total Loans
Current: $256.7M · Tier avg: $975.5M
3
3th pctile
Total Assets
Current: $516.6M · Tier avg: $1.4B
6
6th pctile
Loan-to-Deposit Ratio
Current: 55.24% · Tier avg: 83.06%
8
8th pctile
Total Deposits
Current: $464.7M · Tier avg: $1.2B
13
13th pctile
Delinquency Rate
Current: 1.72% · Tier avg: 0.63%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.86% · Tier avg: 0.50%
25
25th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.74%
55
55th pctile
Efficiency Ratio
Current: 60.40% · Tier avg: 62.63%
56
56th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.16%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 28.75% · Tier avg: 21.05%
88
88th pctile
Tier 1 Capital Ratio
Current: 17.79% · Tier avg: 10.24%