BRAZOS NATIONAL BANK

RICHWOOD, TX | Micro | Est. Aug. 2, 1982, midnight | FDIC #24038 | RSSD #863362 | OCC
Latest Report: 2025-12-31

BRAZOS NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in RICHWOOD, TX, established in Aug. 2, 1982, midnight. As of 2025-12-31, the bank reported total assets of $31M and total deposits of $10M. Profitability stands at 3.18% ROA and 6.24% ROE, with a net interest margin of 7.13%. The bank's CET1 capital ratio is 87.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #24038.

Assets

$31M

Deposits

$10M

Loans

$21M

Equity

$16M

Profitability

Return on Assets (ROA) 3.18%
Return on Equity (ROE) 6.24%
Net Interest Margin (NIM) 7.13%
Yield on Assets 7.17%
Cost of Funds 0.14%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.40%

Capital & Liquidity

CET1 Ratio 87.09%
Tier 1 Capital 87.09%
Total Capital Ratio 87.59%
Leverage Ratio 49.57%
Loan-to-Deposit 217.32%

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