The Brady National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Brady National Bank of Brady, TX against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.22% | 1.35% | -0.13% | 47th below |
| ROAE | 14.72% | 12.05% | +2.67% | 64th above |
| Net Interest Margin | 3.21% | 3.90% | -0.69% | 16th bottom |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 62.43% | 63.15% | -0.72% | 47th below |
| PPNR / Avg Assets | 1.22% | 1.64% | -0.42% | 29th below |
| Yield on Earning Assets | 4.74% | 5.65% | -0.91% | 15th bottom |
| Cost of Funds | 1.62% | 1.85% | -0.23% | 62nd above |
| Net Interest Spread | 2.73% | 3.35% | -0.62% | 22nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.92% | -0.92% | 93rd top |
| NPA / Total Assets | 0.04% | 0.67% | -0.63% | 80th top |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 62nd above |
| ACL / Total Loans | 1.64% | 1.28% | +0.36% | 85th top |
| Texas Ratio | 0.40% | 7.15% | -6.75% | 82nd top |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.57% | 20.83% | -1.26% | 76th top |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.57% | 20.86% | -1.29% | 76th top |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 20.83% | 21.94% | -1.11% | 76th top |
| Leverage Ratio | 10.00% | 12.46% | -2.46% | 32nd below |
| Equity / Assets | 8.12% | 11.67% | -3.55% | 15th bottom |
| TCE / Tangible Assets | 8.12% | 11.40% | -3.28% | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.58% | 78.65% | -28.07% | 91st top |
| Core Deposit Ratio | 83.24% | 87.10% | -3.86% | 25th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 16.15% | 6.47% | +9.68% | 92nd top |
| Loan Growth (Y/Y) | -4.71% | 7.64% | -12.35% | 8th bottom |
| Deposit Growth (Y/Y) | 15.83% | 6.02% | +9.81% | 92nd top |
See The Brady National Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Brady National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Brady National Bank profile, how to read a UBPR, or how this data updates.