The Brenham National Bank
BankRegReports is independent of The Brenham National Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Brenham National Bank is an FDIC-insured commercial bank headquartered in Brenham, TX, established in 1933 (FDIC certificate 3113), and it is supervised by the OCC. At Q2 2026 it reported total assets of $517.7M, up 7.6% from Q2 2025, the 157th largest of 346 banks headquartered in Texas. Its CET1 capital ratio was 17.11% 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
- 3113
- Headquarters
- Brenham, TX
- Established
- 1933
- Total assets, Q2 2026
- $517.7M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 17.11%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 113117194
- Latest call report
- Q2 2026, FFIEC 051 · The Brenham National Bank call report
- Holding company
- BRENHAM BANCSHARES, INC.
- Asset rank in state
- 157th of 346 in Texas
The Brenham National Bank, based in Brenham, Texas, reported $518 million in assets at June 30, 2026, up 7.6% from a year earlier. It pays an average of 0.62% on its deposits and borrowings, about a third the median of 1.80% for the 2,660 banks with $100 million to $1 billion in assets. It also grew deposits 11.1% over the year, about triple the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $2.1 million, 71% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $19 million equal 32% of Tier 1 capital, down from 43% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.2 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, The Brenham National Bank reported a CET1 capital ratio of 17.11%, a return on assets of 1.60%, a nonperforming-loan ratio of 1.54% and a Texas ratio of 8.17%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Brenham National Bank is the 157th largest of the 346 banks headquartered in Texas. From Q1 2026 to Q2 2026, its total assets rose 2.4% to $517.7M, loans rose 2.5% and deposits rose 2.3%. Its loan book on June 30, 2026 was led by construction and land development loans, at 29.0% of total loans, followed by owner-occupied commercial real estate loans at 24.2%. Its 4 offices in the FDIC Summary of Deposits are in Brenham, TX, College Station, TX and Chappell Hill, TX; its Brenham office books 78% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Brenham National Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2211 S Day St, Brenham, TX 77833
- County
- Washington
- Metro Area
- Brenham, 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
- April 22, 1933
- Former names
- The Brenham National Bank (1975)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 61
- Domestic deposits
- $464.5M
- Allowance for credit losses
- $3.3M
- Net charge-offs (YTD)
- $11K
- Average total assets
- $512.9M
- Average total loans
- $278.4M
- Average interest-bearing deposits
- $426.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3113
- Fed RSSD
- 227357
- SEC CIK
- 1165538 → filed by BRENHAM BANCSHARES, INC.
- Website
- www.bnbank.bank →
- Parent Holding Company
- BRENHAM BANCSHARES, INC. (RSSD 1108789)
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
Over the 12 quarters to Q2 2026, The Brenham National Bank's total assets ran between $471.5M (Q3 2023) and $517.7M (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
$517.7M total assets against $481.1M; $467.6M total liabilities against $438.2M.
$279.2M net loans and leases against $247.1M; $464.5M total deposits against $418.2M.
$187.0M securities against $198.0M; $25.3M cash and balances due against $9.9M.
$5.8M total interest income against $5.3M; $881K total interest expense against $867K.
$4.9M net interest income against $4.4M.
$524K total noninterest income against $422K; $3.2M total noninterest expense against $3.0M.
$175K provision for credit losses against $640K.
$2.1M net income against $1.2M.
1.60% return on assets against 0.98%; 4.13% net interest margin against 3.91%.
17.11% CET1 capital ratio against 17.34%; 11.76% tier 1 leverage ratio against 11.36%.
Inside the full The Brenham 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Brenham National Bank rankings
Its closest position to the top of a national ranking is 815 of 3,640, for Texas Ratio; its furthest is 1,517 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q2 2025) to 1.69% (Q4 2024) and its net interest margin ran from 3.38% (Q3 2024) to 4.13% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 17.11% | 1.60% | 1.54% | 8.17% | 4.13% |
| Q1 2026 | 16.98% | 1.22% | 1.59% | 8.55% | 3.92% |
| Q4 2025 | 17.79% | 1.42% | 1.70% | 8.64% | 3.87% |
| Q3 2025 | 17.63% | 1.21% | 1.82% | 9.37% | 3.91% |
| Q2 2025 | 17.34% | 0.98% | 1.80% | 9.92% | 3.91% |
| Q1 2025 | 17.57% | 1.10% | 0.15% | 0.83% | 3.85% |
| Q4 2024 | 17.38% | 1.69% | 0.16% | 0.92% | 3.68% |
| Q3 2024 | 17.59% | 1.12% | 0.19% | 0.99% | 3.38% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → 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 Brenham National Bank | Brenham , TX | 77833 | $363.9M |
| College Station Branch | College Station , TX | 77840 | $80.3M |
| Chappell Hill Branch | Chappell Hill , TX | 77426 | $15.5M |
| Caprock Branch | College Station , TX | 77845 | $4.8M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- August 19, 1992, OCC: Formal Agreement: Brenham National Bank
- Period: Most recent institution action August 19, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 194 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 56 applications, 41 loans originated, $17.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 100.00% 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
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Brenham National Bank’s latest filed figures and updates each quarter.
Similar banks
Compare The Brenham National Bank with peers
Frequently asked about The Brenham National Bank
What are The Brenham National Bank's total assets?
As of the Q2 2026 filing, The Brenham National Bank reported total assets of $517.7 million in its FFIEC call report.
Where is The Brenham National Bank headquartered?
It is headquartered in Brenham, TX, United States.
When was The Brenham National Bank founded?
It was established in 1933, per the FDIC institution directory.
Is The Brenham National Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Brenham National Bank?
The Brenham National Bank's primary federal regulator is the OCC.
What is The Brenham National Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 17.11% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Brenham National Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Brenham National Bank's Texas Ratio?
Its Texas Ratio is 8.17% 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.
What was The Brenham National Bank previously called?
The charter now named The Brenham National Bank has also operated as The Brenham National Bank (1975), per FDIC structure-change records.
Go deeper on The Brenham National Bank.
Get an email when The Brenham National Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Brenham National Bank, freeFree account