Brazos National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Brazos National Bank of Richwood, TX against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.07% | 3.14% | -1.07% | 84th top |
| ROAE | 3.60% | 10.42% | -6.82% | 27th below |
| Net Interest Margin | 6.58% | 3.93% | +2.65% | 99th top |
| Efficiency Ratio | 91.49% | 76.29% | +15.20% | 17th bottom |
| PPNR / Avg Assets | 1.65% | 1.40% | +0.25% | 67th above |
| Yield on Earning Assets | 6.63% | 5.35% | +1.28% | 90th top |
| Cost of Funds | 0.10% | 1.71% | -1.61% | 98th top |
| Net Interest Spread | 6.40% | 3.31% | +3.09% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.36% | 1.49% | -1.13% | 1st bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.12% | 8.25% | -3.13% | 34th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 99.13% | 61.80% | +37.33% | 86th top |
| Tier 1 Ratio | 99.13% | 61.81% | +37.32% | 86th top |
| Total Capital Ratio | 99.49% | 62.77% | +36.72% | 86th top |
| Leverage Ratio | 56.08% | 17.58% | +38.50% | 89th top |
| Equity / Assets | 59.42% | 16.39% | +43.03% | 90th top |
| TCE / Tangible Assets | 57.56% | 16.14% | +41.42% | 90th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 139.32% | 72.78% | +66.54% | 1st bottom |
| Core Deposit Ratio | 100.00% | 88.21% | +11.79% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -13.57% | 4.32% | -17.89% | 3rd bottom |
| Loan Growth (Y/Y) | -35.84% | 6.76% | -42.60% | 0th bottom |
| Deposit Growth (Y/Y) | -0.97% | 3.77% | -4.74% | 29th below |
See Brazos National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Brazos 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 Brazos National Bank profile, how to read a UBPR, or how this data updates.