Bank Comparison
Bank of Brenham, National Association vs Golden Valley Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
3 · 16
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Bank of Brenham, National Association | Golden Valley Bank |
|---|---|---|
| CET1 Ratio | — | 15.41% |
| Tier 1 Capital Ratio | — | 15.41% |
| Total Capital Ratio | — | 16.66% |
| Tier 1 Leverage Ratio | 11.15% | 9.28% |
| Equity / Assets | -5.55% | 8.22% |
Profitability
| Metric | Bank of Brenham, National Association | Golden Valley Bank |
|---|---|---|
| Return on Assets (ROA) | -0.96% | 0.97% |
| Return on Equity (ROE) | 23.13% | 12.25% |
| Net Interest Margin (NIM) | 0.56% | 3.58% |
| Yield on Earning Assets | 3.51% | 4.75% |
| Cost of Funds | 3.24% | 1.26% |
Asset quality
| Metric | Bank of Brenham, National Association | Golden Valley Bank |
|---|---|---|
| Texas Ratio | — | 0.18% |
| Non-Performing Loan Ratio | 0.67% | 0.03% |
| Non-Performing Asset Ratio | 0.14% | 0.02% |
| Net Charge-Off Ratio | 0.45% | 0.01% |
| ACL / Loans | 1.10% | 1.59% |
Balance sheet
| Metric | Bank of Brenham, National Association | Golden Valley Bank |
|---|---|---|
| Total Assets | $576,926K | $577,734K |
| Total Deposits | $604,225K | $525,767K |
| Total Loans | $118,864K | $274,020K |
| Total Equity | $-32,016 | $47,513K |
| Net Income (quarter) | $-1,661 | $1,446K |
Liquidity & funding
| Metric | Bank of Brenham, National Association | Golden Valley Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 19.67% | 52.12% |
| Core Deposit Ratio | 85.19% | 93.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Bank of Brenham, National Association | Golden Valley Bank |
|---|---|---|
| Headquarters City | Brenham | CHICO |
| Headquarters State | TX | CA |
| Asset Tier | Medium | Medium |
| Charter Class | 24153 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 5 |
| Employees (FTE) | 30 | 64 |
| Established | Aug. 7, 2001, midnight | April 24, 2006, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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