Brazos National Bank
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Data as of · sourced from FFIEC call reports. How we update
Brazos National Bank is an FDIC-insured commercial bank headquartered in Richwood, TX, established in 1982 (FDIC certificate 24038), and it is supervised by the OCC. At Q2 2026 it reported total assets of $27.6M, down 13.6% from Q2 2025, the 345th largest of 346 banks headquartered in Texas.
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 24038
- Headquarters
- Richwood, TX
- Established
- 1982
- Total assets, Q2 2026
- $27.6M
- Assets vs Q2 2025
- -13.6%
- Capital ratio
- Not reported
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 113110654
- Latest call report
- Q2 2026, FFIEC 051 · Brazos National Bank call report
- Holding company
- GULFPORT BANCSHARES OF DELAWARE, INC.
- Asset rank in state
- 345th of 346 in Texas
Problem loans are rising at Brazos National Bank. Its balance sheet stood at $28 million at June 30, 2026, down 13.6% from a year earlier; it is based in Richwood, Texas. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 5.07% of loans from 0.00% a year earlier. It keeps 6.58 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 0.10% on its deposits and borrowings, a small fraction of the median of 1.53% for banks its size.
The balance sheet shrank over the year: over the year loans fell 35.8% and deposits fell 1.0%. Costs are the weak spot: it spends about 91 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
As of June 30, 2026, Brazos National Bank reported a CET1 capital ratio of 99.13%, a return on assets of 2.07%, a nonperforming-loan ratio of 5.07% and a Texas ratio of 5.12%. The figures come from its call report filed with the FFIEC.
Brazos National Bank ranks as the 345th largest of the 346 banks based in Texas, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 14.1% to $27.6M, loans fell 33.8% and deposits rose 2.9%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 91.3% of total loans, ahead of owner-occupied commercial real estate loans at 8.0%. Its one office in the FDIC Summary of Deposits is in Richwood, TX. By the capital ratios in its Q2 2026 call report, Brazos National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2300 Brazosport Blvd N, Richwood, TX 77531
- County
- Brazoria
- Metro Area
- Houston-Pasadena-The Woodlands, TX
- 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
- —
- Call Report form
- FFIEC 051
- Established
- August 2, 1982
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 26
- Domestic deposits
- $11.1M
- Allowance for credit losses
- $55K
- Net charge-offs (YTD)
- $0
- Average total assets
- $28.3M
- Average total loans
- $18.0M
- Average interest-bearing deposits
- $3.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 2, 1982
- FDIC Cert
- 24038
- Fed RSSD
- 863362
- Website
- www.brazosbank.com →
- Parent Holding Company
- GULFPORT BANCSHARES OF DELAWARE, INC. (RSSD 3530218)
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
Brazos National Bank's total assets moved between a low of $27.6M (Q2 2026) and a high of $32.2M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$27.6M total assets against $32.0M; $11.2M total liabilities against $16.3M.
$15.4M net loans and leases against $23.8M; $11.1M total deposits against $11.2M.
$0 securities against $0; $7.7M cash and balances due against $3.4M.
$400K total interest income against $493K; $3K total interest expense against $3K.
$397K net interest income against $490K.
$978K total noninterest income against $796K; $1.3M total noninterest expense against $1.3M.
-$30K provision for credit losses against $19K.
$147K net income against $11K.
2.07% return on assets against 0.14%; 6.58% net interest margin against 7.36%.
99.13% CET1 capital ratio against 77.92%; 56.08% tier 1 leverage ratio against 48.89%.
Inside the full Brazos National Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Brazos National Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.14% (Q2 2025) to 3.74% (Q3 2025) and its net interest margin ran from 6.58% (Q2 2026) to 7.58% (Q1 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 99.13% | 2.07% | 5.07% | 5.12% | 6.58% |
| Q1 2026 | — | 0.78% | 0.00% | 0.00% | 7.29% |
| Q4 2025 | 87.09% | 3.19% | 0.00% | 0.00% | 7.58% |
| Q3 2025 | 83.71% | 3.74% | 0.00% | 0.00% | 7.42% |
| Q2 2025 | 77.92% | 0.14% | 0.00% | 0.00% | 7.36% |
| Q1 2025 | 85.28% | 2.15% | 0.00% | 0.00% | 7.58% |
| Q4 2024 | 85.75% | 1.10% | 1.33% | 1.78% | 7.53% |
| Q3 2024 | 81.76% | 2.65% | 5.28% | 7.43% | 7.46% |
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 |
|---|---|---|---|
| Brazos National Bank (main office) | Richwood , TX | 77531 | $11.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in TX, rank 439 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Brazos National Bank
What are Brazos National Bank's total assets?
As of the Q2 2026 filing, Brazos National Bank reported total assets of $27.6 million in its FFIEC call report.
Where is Brazos National Bank headquartered?
It is headquartered in Richwood, TX, United States.
When was Brazos National Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Brazos National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #24038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Brazos National Bank?
Brazos National Bank's primary federal regulator is the OCC.
What is Brazos National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 99.13% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Brazos 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 Brazos National Bank's Texas Ratio?
Its Texas Ratio is 5.12% 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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