Bank Safety Analysis
Is Brown Brothers Harriman Trust Company, N.A. Safe?
Brown Brothers Harriman Trust Company, N.A. meets regulatory minimums but is on the watch band for 1 of 4 safety dimensions. Analysis based on the Q2 2026 call report.
Return on assets dropped 5.63 percentage points in Q2 2026, from 16.15% to 10.52%. It was the largest change from Q1 2026 among the key lines here. Brown Brothers Harriman Trust Company, N.A.'s leverage ratio of 67.65% is well above the 12.62% median for banks in the < $100M asset tier, a gap of 55.02 points (Q2 2026). From Q3 2023 to Q2 2026, Brown Brothers Harriman Trust Company, N.A.'s Texas ratio ranged between 0.00% (Q2 2026) and 0.00% (Q2 2026). Compared with Q2 2025, Brown Brothers Harriman Trust Company, N.A.'s Texas ratio from 0.00% to 0.00%, return on assets from 9.56% to 10.52% in Q2 2026.
Data as of · sourced from FFIEC call reports. How we update
A relative risk score, not a calibrated probability: it ranks this bank against every other filer. Model AUC 0.988 (v20261005_114304). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk, and its accuracy above roughly $10B in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: banks with under $100M in assets (536 banks) · Industry averages as of Q2 2026.
Leverage ratio of 67.65% exceeds the 9% Community Bank Leverage Ratio threshold. The bank is deemed well-capitalized under CBLR.
Tier 1 leverage of 67.65% is above the 5% well-capitalized threshold.
Asset quality data not available.
Texas Ratio of 0.0% is well below the 100% historical failure threshold.
Efficiency ratio of 89.0% is elevated, suggesting cost-to-revenue pressure.
Note: This bank has elected the Community Bank Leverage Ratio framework, a simplified capital regime for community banks meeting size and complexity criteria. Banks under CBLR don't report CET1 separately; the CBLR leverage threshold serves as the well-capitalized benchmark.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | — | Flags below 7% | Not reported |
| Texas ratio BankRegReports band | 0.00% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | — | Flags at 3% or above | Not reported |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | — | Flags at 100% or above | Not reported |
| Commercial real estate to capital supervisory threshold | 0.00% | Watch at 200%, concern at 300% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 0.00% |
| Q1 2026 | 0.00% |
| Q4 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q1 2025 | 0.00% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 0.00% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
| Q3 2023 | 0.00% |
Brown Brothers Harriman Trust Company, N.A. by quarter
| Quarter end | CET1 | Noncurrent loans | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | — | — | 0.00% | 10.52% |
| Mar 31, 2026 | — | — | 0.00% | 16.15% |
| Dec 31, 2025 | — | — | 0.00% | -3.79% |
| Sep 30, 2025 | — | — | 0.00% | 43.88% |
| Jun 30, 2025 | — | — | 0.00% | 9.56% |
| Mar 31, 2025 | — | — | 0.00% | 4.96% |
| Dec 31, 2024 | — | — | 0.00% | 8.46% |
| Sep 30, 2024 | — | — | 0.00% | 14.87% |
| Jun 30, 2024 | — | — | 0.00% | 15.13% |
| Mar 31, 2024 | — | — | 0.00% | 12.76% |
| Dec 31, 2023 | — | — | 0.00% | 27.27% |
| Sep 30, 2023 | — | — | 0.00% | 21.38% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Brown Brothers Harriman Trust Company, N.A. well capitalized?
Yes. Brown Brothers Harriman Trust Company, N.A. reports a Community Bank Leverage Ratio of 67.65%, comfortably above the regulatory well-capitalized threshold that its primary federal regulator applies under Prompt Corrective Action.
What is Brown Brothers Harriman Trust Company, N.A.'s Texas Ratio?
Brown Brothers Harriman Trust Company, N.A.'s Texas Ratio is 0.00%. It compares nonperforming assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
How safe is my money at any FDIC-insured bank?
FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC typically pays insured depositors within one business day.
Add this badge to your website
Free to use. The badge always shows Brown Brothers Harriman Trust Company, N.A.’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FFIEC NIC profile (RSSD 931207)
Explore: Full Brown Brothers Harriman Trust Company, N.A. profile · Other banks in NY · Metric glossary · How the call report works