The Commercial National Bank of Brady
The Commercial National Bank of Brady is an FDIC-insured commercial bank headquartered in Brady, TX, supervised by the OCC, with $422.3M in total assets at Q3 2026, up 13.9% from Q3 2025, the 174th largest of 345 banks headquartered in Texas. It was established in 1907 and holds FDIC certificate 3110. Its CET1 capital ratio was 12.50% at Q3 2026, above regulatory requirements.
Also written as CNB of Brady
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3110
- Headquarters
- Brady, TX
- Established
- 1907
- Total assets, Q3 2026
- $422.3M
- Assets vs Q3 2025
- +13.9%
- CET1 ratio, Q3 2026
- 12.50%
- Domestic offices
- 5 branches
- Routing number
- 111303489
- Safety and soundness
- Is The Commercial National Bank of Brady safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Commercial National Bank of Brady call report
- Holding company
- COMMERCIAL NATIONAL CORPORATION
- Asset rank in state
- 174th of 345 in Texas
Problem loans are rising at The Commercial National Bank of Brady. The Brady, Texas bank had $422 million in assets at September 30, 2026, up 13.9% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 4.51% of loans from 0.02% a year earlier. It loses about $0.45 a year on every $100 of assets, lower than about 9 in 10 of the 2,624 banks with $100 million to $1 billion in assets (median $1.30). On the other hand, it keeps 5.81 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 4.01 cents).
It lost $480,000 in the quarter. Over the same year, loans grew 8.5% and deposits grew 24.9%. Credit is the area to watch: it carries problem assets equal to 37.5% of the capital and reserves that would absorb them, 12.6 times the median of 3.0% for banks its size.
As of September 30, 2026, The Commercial National Bank of Brady reported a CET1 capital ratio of 12.50%, a return on assets of -0.45%, a nonperforming-loan ratio of 4.51% and a Texas ratio of 37.46%. The figures come from its call report filed with the FFIEC.
The Commercial National Bank of Brady ranks as the 174th largest of the 345 banks based in Texas, by total assets at Q3 2026. Quarter on quarter (Q2 2026 to Q3 2026), its total assets fell 0.7% to $422.3M, loans rose 0.4% and deposits fell 3.7%. The largest part of its loan book on September 30, 2026 was commercial and industrial loans, at 33.1% of total loans, ahead of 1-4 family residential loans at 26.7%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in TX; its Brady office books 68% of its branch deposits. By the capital ratios in its Q3 2026 call report, The Commercial National Bank of Brady meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 105 E 2nd St, Brady, TX 76825
- County
- Mcculloch
- 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
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- March 11, 1907
- Domestic offices
- 5 branches
- Employees (FTE)
- 79
- Domestic deposits
- $351.6M
- Allowance for credit losses
- $3.7M
- Net charge-offs (YTD)
- $2.3M
- Average total assets
- $426.1M
- Average total loans
- $332.5M
- Average interest-bearing deposits
- $239.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3110
- Fed RSSD
- 42354
- Website
- http://cnbbrady.com →
- Parent Holding Company
- COMMERCIAL NATIONAL CORPORATION (RSSD 1103207)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
Over the 12 quarters to Q3 2026, The Commercial National Bank of Brady's total assets ran between $273.3M (Q1 2024) and $425.4M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$422.3M total assets against $370.7M; $385.2M total liabilities against $336.9M.
$327.5M net loans and leases against $301.8M; $351.6M total deposits against $281.5M.
$34.3M securities against $40.4M; $33.8M cash and balances due against $8.2M.
$7.8M total interest income against $8.0M; $2.0M total interest expense against $2.0M.
$5.8M net interest income against $6.1M.
$20K total noninterest income against $465K; $3.7M total noninterest expense against $2.8M.
$2.2M provision for credit losses against $120K.
-$480K net income against $3.6M.
-0.45% return on assets against 3.76%; 5.81% net interest margin against 6.74%.
12.50% CET1 capital ratio against 12.83%; 9.74% tier 1 leverage ratio against 10.17%.
Inside the full The Commercial National Bank of Brady 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.
The Commercial National Bank of Brady rankings
Its closest position to the top of a national ranking is 45 of 3,644, for Texas Ratio; its furthest is 3,548 of 3,627, for ROA.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from -0.45% (Q3 2026) to 3.76% (Q3 2025) and its net interest margin ran from 5.80% (Q4 2025) to 7.24% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 12.50% | -0.45% | 4.51% | 37.46% | 5.81% |
| Q2 2026 | 13.18% | 2.85% | 0.00% | 0.29% | 7.09% |
| Q1 2026 | 13.45% | 2.87% | 0.02% | 0.28% | 5.96% |
| Q4 2025 | 12.61% | 2.34% | 0.00% | 0.15% | 5.80% |
| Q3 2025 | 12.83% | 3.76% | 0.02% | 0.15% | 6.74% |
| Q2 2025 | 12.33% | 3.61% | 1.39% | 12.34% | 7.24% |
| Q1 2025 | 12.55% | 3.02% | 2.70% | 23.80% | 5.95% |
| Q4 2024 | 12.42% | 3.57% | 0.00% | 0.00% | 6.28% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 Commercial National Bank of Brady | Brady , TX | 76825 | $247.5M |
| Brady San Saba Branch | San Saba , TX | 76877 | $65.4M |
| Marble Falls Branch | Marble Falls , TX | 78654 | $20.3M |
| Granite Shoals Branch | Granite Shoals , TX | 78654 | $19.5M |
| The Commercial National Bank of Brady - Burnet Branch | Burnet , TX | 78611 | $12.5M |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (Federal Reserve); 4 against individuals associated with it. These actions name the parent holding company, COMMERCIAL NATIONAL CORPORATION, not the bank itself
- August 28, 1992, Federal Reserve: Written Agreement: National Commercial Bank, Jeddah, Saudi Arabia
- Period: Most recent institution action August 28, 1992. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 215 of 441 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 3 loans, $333K approved, $111K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Mortgage lending (HMDA), 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 The Commercial National Bank of Brady
What are The Commercial National Bank of Brady's total assets?
As of the Q3 2026 filing, The Commercial National Bank of Brady reported total assets of $422.3 million in its FFIEC call report.
Where is The Commercial National Bank of Brady headquartered?
It is headquartered in Brady, TX, United States.
When was The Commercial National Bank of Brady founded?
It was established in 1907, per the FDIC institution directory.
Is The Commercial National Bank of Brady FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Commercial National Bank of Brady?
The Commercial National Bank of Brady's primary federal regulator is the OCC.
What is The Commercial National Bank of Brady's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.50% in its Q3 2026 call report, above regulatory requirements.
How many branches does The Commercial National Bank of Brady operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Commercial National Bank of Brady's Texas Ratio?
Its Texas Ratio is 37.46% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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