BRADY NATIONAL BANK, THE

BRADY, TX | Small | Est. July 10, 1905, midnight | FDIC #3109 | RSSD #101952 | OCC
Latest Report: 2025-12-31

BRADY NATIONAL BANK, THE is asn small FDIC-insured commercial bank headquartered in BRADY, TX, established in July 10, 1905, midnight. As of 2025-12-31, the bank reported total assets of $164M and total deposits of $150M. Profitability stands at 1.27% ROA and 15.54% ROE, with a net interest margin of 3.19%. The bank's CET1 capital ratio is 18.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.42%. FDIC Certificate #3109.

Assets

$164M

Deposits

$150M

Loans

$80M

Equity

$13M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 15.54%
Net Interest Margin (NIM) 3.19%
Yield on Assets 4.99%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.02%
Texas Ratio 0.42%
NPA Ratio 0.04%
ACL / Loans 1.60%

Capital & Liquidity

CET1 Ratio 18.30%
Tier 1 Capital 18.30%
Total Capital Ratio 19.56%
Leverage Ratio 10.00%
Loan-to-Deposit 53.14%

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