Bank Safety Analysis
Is The Commercial National Bank of Brady Safe? Brady, Texas
Based on its Q3 2026 call report, The Commercial National Bank of Brady meets every capital ratio test for well capitalized, its Texas ratio is 37.46%, and its deposits are FDIC insured up to $250,000 per depositor.
BankRegReports is independent of The Commercial National Bank of Brady and never asks for online banking logins or passwords.
Short answer: is The Commercial National Bank of Brady safe?
On its Q3 2026 call report, The Commercial National Bank of Brady's CET1 ratio is 12.50%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 12.50%
- Tier 1 leverage ratio (Q3 2026): 9.74%
- Texas ratio (Q3 2026): 37.46%
- Noncurrent loans ratio (Q3 2026): 4.51%
The Commercial National Bank of Brady is an FDIC-insured commercial bank (FDIC Certificate #3110). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Commercial National Bank of Brady (FDIC Certificate #3110) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
The Commercial National Bank of Brady is outside the pass range on 1 of 5 safety dimensions: asset quality. Capital and leverage are above their regulatory minimums. The failed band is a BankRegReports band, not a supervisory threshold. 1 risk screen is flagged: nonperforming loan ratio.
Nonperforming loan ratio (nonaccrual plus 90+ days past due) climbed 4.51 percentage points in Q3 2026, from 0.00% to 4.51%. It was the largest change from Q2 2026 among the key lines here. The Commercial National Bank of Brady has the 16th lowest CET1 ratio of the 183 banks headquartered in Texas, at 12.50% as of Q3 2026. The Commercial National Bank of Brady reported 12.50% on CET1 ratio for Q3 2026, 2.74 points below the 15.24% median for banks in the $100M-1B asset tier. From Q4 2023 to Q3 2026, The Commercial National Bank of Brady's CET1 ratio ranged between 11.24% (Q4 2023) and 13.45% (Q1 2026) and its Texas ratio ranged between 0.00% (Q4 2024) and 37.46% (Q3 2026). Between Q3 2025 and Q3 2026, The Commercial National Bank of Brady's CET1 ratio fell from 12.83% to 12.50%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.02% to 4.51%, Texas ratio rose from 0.15% to 37.46% and return on assets fell from 3.76% to -0.45%.
The Commercial National Bank of Brady ranks as the 174th largest of the 345 banks based in Texas, by total assets at Q3 2026. Commercial and industrial loans are its largest loan category, $109.6M of $331.2M in total loans on its September 30, 2026 call report. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, The Commercial National Bank of Brady's CET1 ratio of 12.50% is below the 15.24% median, Tier 1 leverage ratio of 9.74% is below the 11.09% median, nonperforming loans ratio of 4.51% is above the 0.43% median, Texas ratio of 37.46% is above the 2.96% median, and efficiency ratio of 63.82% is above the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Held-out test AUC 0.925 for the 1-year horizon (v20261103_032653). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety.
How does The Commercial National Bank of Brady score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 15.24%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does The Commercial National Bank of Brady trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 12.50% | Within range |
| Texas ratio BankRegReports band | 37.46% | Within range |
| Nonperforming loan ratio BankRegReports band | 4.51% | Flagged |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 94.20% | Within range |
| Commercial real estate to capital supervisory threshold | 147.22% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 12.50% |
| Q2 2026 | 13.18% |
| Q1 2026 | 13.45% |
| Q4 2025 | 12.61% |
| Q3 2025 | 12.83% |
| Q2 2025 | 12.33% |
| Q1 2025 | 12.55% |
| Q4 2024 | 12.42% |
| Q3 2024 | 12.66% |
| Q2 2024 | 11.80% |
| Q1 2024 | 12.42% |
| Q4 2023 | 11.24% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 37.46% |
| Q2 2026 | 0.29% |
| Q1 2026 | 0.28% |
| Q4 2025 | 0.15% |
| Q3 2025 | 0.15% |
| Q2 2025 | 12.34% |
| Q1 2025 | 23.80% |
| Q4 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q2 2024 | 2.47% |
| Q1 2024 | 3.62% |
| Q4 2023 | 21.82% |
Loans by type, Q3 2026
- Commercial and industrial loans: $109.6M
- 1-4 family residential loans: $88.4M
- Construction and land development loans: $37.5M
- Owner-occupied commercial real estate loans: $25.7M
- Non-owner-occupied commercial real estate loans: $25.6M
- Agricultural production loans: $12.4M
- Other consumer loans: $5.0M
- Multifamily loans: $3.4M
How have The Commercial National Bank of Brady's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $422.3M | 12.50% | 9.74% | 4.51% | 37.46% | 63.82% |
| Jun 30, 2026 | $425.4M | 13.18% | 10.24% | 0.00% | 0.29% | 47.75% |
| Mar 31, 2026 | $397.2M | 13.45% | 10.30% | 0.02% | 0.28% | 53.07% |
| Dec 31, 2025 | $374.2M | 12.61% | 9.84% | 0.00% | 0.15% | 57.91% |
| Sep 30, 2025 | $370.7M | 12.83% | 10.17% | 0.02% | 0.15% | 43.14% |
| Jun 30, 2025 | $370.4M | 12.33% | 10.25% | 1.39% | 12.34% | 48.95% |
| Mar 31, 2025 | $330.3M | 12.55% | 10.04% | 2.70% | 23.80% | 50.25% |
| Dec 31, 2024 | $322.7M | 12.42% | 9.71% | 0.00% | 0.00% | 44.09% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is The Commercial National Bank of Brady FDIC insured?
Yes. The Commercial National Bank of Brady is an FDIC-insured commercial bank (FDIC Certificate #3110). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Commercial National Bank of Brady well capitalized?
On its Q3 2026 call report, The Commercial National Bank of Brady's CET1 ratio is 12.50%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The Commercial National Bank of Brady's key safety ratios?
For Q3 2026, The Commercial National Bank of Brady reports CET1 12.50%, leverage 9.74%, Texas ratio 37.46%, noncurrent loans 4.51%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if The Commercial National Bank of Brady fails?
For Q3 2026, The Commercial National Bank of Brady reported $351.6M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Free to use and updated each quarter. It states no rating or capital category.
Where does this data come from?
Not investment advice. See the full The Commercial National Bank of Brady profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
CET1 Ratio: Common equity tier 1 (CET1) capital, mostly common stock and retained earnings, divided by risk-weighted assets. Pass ≥ 7.0% (minimum plus conservation buffer), fail < 4.5% (below minimum).
Tier 1 Leverage Ratio: Tier 1 capital divided by average total assets, with no risk weighting. Pass ≥ 5.0% (well-capitalized), fail < 4.0% (below minimum).
Nonperforming Loans (NPL) Ratio: Nonaccrual loans plus loans 90 or more days past due, divided by total loans. Pass < 1.5%, fail > 3.0%.
Texas Ratio: Problem assets (nonaccrual loans, loans 90+ days past due and still accruing, and OREO, net of U.S. government-guaranteed portions) divided by tangible equity plus the allowance for credit losses. Pass < 50%, fail > 100% (historical failure threshold).
Efficiency Ratio: Noninterest expense divided by revenue (net interest income plus noninterest income). Pass ≤ 75% (lower is better), fail ≥ 90%.
Risk screens, beyond those bands: Uninsured deposit share watch at 50%, concern at 70%; Loan-to-deposit ratio flags at 100% or above; Commercial real estate to capital watch at 200% (our band), concern at 300% (the 2006 interagency guidance level); Held-to-maturity unrealized loss to equity watch at 10%, concern at 25%; NPL, Texas ratio and efficiency bands are ours.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 3110) · FFIEC NIC profile (RSSD 42354)
Explore: Full The Commercial National Bank of Brady profile · Other banks in TX · Metric glossary · How the call report works