The Brady National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.29 percentage points lower than in Q1 2026, at 50.58%. The Brady National Bank ranks 221st of 345 Texas banks on return on assets, in the lower half at 1.22% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets; The Brady National Bank reported 1.22% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.57% |
| Tier 1 risk-based capital ratio | 19.57% |
| Total risk-based capital ratio | 20.83% |
| Tier 1 leverage ratio | 10.00% |
| Equity capital to assets | 8.12% |
| Tangible equity to tangible assets | 8.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.40% |
| Allowance for credit losses to loans | 1.64% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.22% |
| Return on equity | 14.72% |
| Net interest margin | 3.21% |
| Efficiency ratio | 62.43% |
| Yield on earning assets | 4.74% |
| Cost of funds | 1.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.58% |
| Core deposits to total deposits | 83.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.38% |
| Securities to assets | 28.77% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.36% | 17.36% | 18.61% | 9.86% | 1.25% |
| Q4 2023 | 17.25% | 17.25% | 18.50% | 9.56% | 1.27% |
| Q1 2024 | 17.25% | 17.25% | 18.51% | 9.51% | 1.10% |
| Q2 2024 | 18.07% | 18.07% | 19.33% | 10.11% | 0.99% |
| Q3 2024 | 17.54% | 17.54% | 18.80% | 10.26% | 1.06% |
| Q4 2024 | 16.89% | 16.89% | 18.14% | 10.23% | 1.13% |
| Q1 2025 | 17.49% | 17.49% | 18.74% | 9.79% | 1.18% |
| Q2 2025 | 18.04% | 18.04% | 19.30% | 10.39% | 1.22% |
| Q3 2025 | 18.44% | 18.44% | 19.69% | 10.34% | 1.28% |
| Q4 2025 | 18.30% | 18.30% | 19.56% | 10.00% | 1.27% |
| Q1 2026 | 18.42% | 18.42% | 19.68% | 9.78% | 1.24% |
| Q2 2026 | 19.57% | 19.57% | 20.83% | 10.00% | 1.22% |
The Brady National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Brady National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Brady National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3109) · FFIEC NIC profile (RSSD 101952)