The Brenham 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 Reserve coverage of non-performing loans: 4.61 percentage points higher than in Q1 2026, at 64.77%. The Brenham National Bank ranks 149th of 345 Texas banks on return on assets, in the upper half at 1.60% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Brenham National Bank sits 0.35 points higher, at 1.60% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.11% |
| Tier 1 risk-based capital ratio | 17.11% |
| Total risk-based capital ratio | 18.10% |
| Tier 1 leverage ratio | 11.76% |
| Equity capital to assets | 9.67% |
| Tangible equity to tangible assets | 9.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.80% |
| Non-performing assets ratio | 0.98% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 9.56% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 64.77% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.60% |
| Return on equity | 16.70% |
| Net interest margin | 4.13% |
| Efficiency ratio | 57.27% |
| Yield on earning assets | 4.86% |
| Cost of funds | 0.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 60.83% |
| Core deposits to total deposits | 91.56% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.72% |
| Securities to assets | 36.12% |
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 | 18.22% | 18.22% | 19.23% | 10.31% | 0.85% |
| Q4 2023 | 17.78% | 17.78% | 18.75% | 10.37% | 1.07% |
| Q1 2024 | 17.87% | 17.87% | 18.86% | 10.41% | 0.70% |
| Q2 2024 | 17.43% | 17.43% | 18.39% | 10.55% | 0.94% |
| Q3 2024 | 17.59% | 17.59% | 18.56% | 10.72% | 1.12% |
| Q4 2024 | 17.38% | 17.38% | 18.34% | 10.70% | 1.69% |
| Q1 2025 | 17.57% | 17.57% | 18.63% | 11.17% | 1.10% |
| Q2 2025 | 17.34% | 17.34% | 18.08% | 11.36% | 0.98% |
| Q3 2025 | 17.63% | 17.63% | 18.43% | 11.51% | 1.21% |
| Q4 2025 | 17.79% | 17.79% | 18.73% | 11.17% | 1.42% |
| Q1 2026 | 16.98% | 16.98% | 17.92% | 11.45% | 1.22% |
| Q2 2026 | 17.11% | 17.11% | 18.10% | 11.76% | 1.60% |
The Brenham National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Brenham 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 Brenham National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 3113) · FFIEC NIC profile (RSSD 227357)