The Commercial National Bank of Brady: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Commercial National Bank of Brady of Brady, TX against its peer group of 2672 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 | 2.85% | 1.34% | +1.51% | 96th top |
| ROAE | 31.33% | 13.31% | +18.02% | 98th top |
| Net Interest Margin | 7.09% | 3.93% | +3.16% | 100th top |
| Efficiency Ratio | 47.75% | 61.14% | -13.39% | 85th top |
| PPNR / Avg Assets | 3.72% | 1.68% | +2.04% | 98th top |
| Yield on Earning Assets | 9.05% | 5.67% | +3.38% | 100th top |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 35th below |
| Net Interest Spread | 6.00% | 3.32% | +2.68% | 99th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 0.94% | -0.94% | 93rd top |
| NPA / Total Assets | 0.03% | 0.70% | -0.67% | 81st top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 42nd below |
| ACL / Total Loans | 1.15% | 1.28% | -0.13% | 44th below |
| Texas Ratio | 0.29% | 7.33% | -7.04% | 84th top |
| Provision / NCO | 4000.00% | 1393.86% | +2606.14% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.18% | 19.51% | -6.33% | 30th below |
| Tier 1 Ratio | 13.18% | 19.54% | -6.36% | 30th below |
| Total Capital Ratio | 14.35% | 20.63% | -6.28% | 30th below |
| Leverage Ratio | 10.24% | 12.14% | -1.90% | 37th below |
| Equity / Assets | 9.14% | 11.38% | -2.24% | 29th below |
| TCE / Tangible Assets | 9.09% | 11.09% | -2.00% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 90.30% | 80.63% | +9.67% | 28th below |
| Core Deposit Ratio | 85.25% | 86.86% | -1.61% | 31st below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.70% | 5.03% | -0.33% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 14.84% | 6.85% | +7.99% | 91st top |
| Loan Growth (Y/Y) | 12.56% | 7.90% | +4.66% | 81st top |
| Deposit Growth (Y/Y) | 19.98% | 6.28% | +13.70% | 94th top |
See The Commercial National Bank of Brady's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Commercial National Bank of Brady, 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 The Commercial National Bank of Brady profile, how to read a UBPR, or how this data updates.