The Brady National Bank
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Data as of · sourced from FFIEC call reports. How we update
The Brady National Bank is an FDIC-insured commercial bank headquartered in Brady, TX, established in 1905 (FDIC certificate 3109), and it is supervised by the OCC. At Q2 2026 it reported total assets of $167.7M, up 16.2% from Q2 2025, the 268th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 19.57% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3109
- Headquarters
- Brady, TX
- Established
- 1905
- Total assets, Q2 2026
- $167.7M
- Assets vs Q2 2025
- +16.2%
- CET1 ratio, Q2 2026
- 19.57%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 111303492
- Latest call report
- Q2 2026, FFIEC 051 · The Brady National Bank call report
- Holding company
- TEXAS COUNTRY BANCSHARES, INC.
- Asset rank in state
- 268th of 346 in Texas
The Brady National Bank, based in Brady, Texas, reported $168 million in assets at June 30, 2026, up 16.2% from a year earlier. It shrank its loan book 4.7% over the year, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also keeps 3.21 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans fell 4.7% and deposits rose 15.8%. Paper losses on its bond portfolio are shrinking: unrealized losses of $2.7 million equal 16% of Tier 1 capital, down from 27% a year earlier.
As of June 30, 2026, The Brady National Bank reported a CET1 capital ratio of 19.57%, a return on assets of 1.22%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.40%. The figures come from its call report filed with the FFIEC.
Of the 346 banks headquartered in Texas, The Brady National Bank is the 268th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 3.9% to $167.7M, loans fell 4.1% and deposits rose 4.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 43.2% of total loans, ahead of commercial and industrial loans at 25.7%. Its one office in the FDIC Summary of Deposits is in Brady, TX. By the capital ratios in its Q2 2026 call report, The Brady National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Blackburn St, Brady, TX 76825
- County
- Mcculloch
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- July 10, 1905
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 20
- Domestic deposits
- $153.2M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $4K
- Average total assets
- $163.0M
- Average total loans
- $80.3M
- Average interest-bearing deposits
- $117.0M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3109
- Fed RSSD
- 101952
- SEC CIK
- 1157751 → filed by TEXAS COUNTRY BANCSHARES, INC.
- Website
- www.bradynational.bank →
- Parent Holding Company
- TEXAS COUNTRY BANCSHARES, INC. (RSSD 1106990)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Brady National Bank's total assets moved between a low of $137.5M (Q2 2024) and a high of $167.7M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$167.7M total assets against $144.4M; $154.1M total liabilities against $133.0M.
$76.3M net loans and leases against $80.1M; $153.2M total deposits against $132.3M.
$48.3M securities against $49.6M; $35.7M cash and balances due against $7.7M.
$1.8M total interest income against $1.7M; $599K total interest expense against $591K.
$1.2M net interest income against $1.1M.
$211K total noninterest income against $243K; $914K total noninterest expense against $900K.
No provision recorded in the last 12 quarters.
$498K net income against $454K.
1.22% return on assets against 1.22%; 3.21% net interest margin against 3.26%.
19.57% CET1 capital ratio against 18.04%; 10.00% tier 1 leverage ratio against 10.39%.
Inside the full The Brady National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Brady National Bank rankings
Its closest position to the top of a national ranking is 361 of 2,134, for CET1 ratio; its furthest is 3,016 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.06% (Q3 2024) to 1.28% (Q3 2025) and its net interest margin ran from 3.09% (Q1 2025) to 3.30% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.57% | 1.22% | 0.00% | 0.40% | 3.21% |
| Q1 2026 | 18.42% | 1.24% | 0.00% | 0.41% | 3.15% |
| Q4 2025 | 18.30% | 1.27% | 0.00% | 0.42% | 3.18% |
| Q3 2025 | 18.44% | 1.28% | 0.00% | 0.00% | 3.30% |
| Q2 2025 | 18.04% | 1.22% | 0.00% | 0.00% | 3.26% |
| Q1 2025 | 17.49% | 1.18% | 0.00% | 0.00% | 3.09% |
| Q4 2024 | 16.89% | 1.13% | 0.00% | 0.00% | 3.15% |
| Q3 2024 | 17.54% | 1.06% | 0.00% | 0.00% | 3.11% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Brady National Bank | Brady , TX | 76825 | $153.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 322 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $61K approved, $61K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1998 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Brady National Bank
What are The Brady National Bank's total assets?
As of the Q2 2026 filing, The Brady National Bank reported total assets of $167.7 million in its FFIEC call report.
Where is The Brady National Bank headquartered?
It is headquartered in Brady, TX, United States.
When was The Brady National Bank founded?
It was established in 1905, per the FDIC institution directory.
Is The Brady National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Brady National Bank?
The Brady National Bank's primary federal regulator is the OCC.
What is The Brady National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 19.57% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Brady National Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Brady National Bank's Texas Ratio?
Its Texas Ratio is 0.40% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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