The Brady National Bank: how it compares with its peers
Against 117 TX banks with half to twice its assets, The Brady National Bank's strongest measure in Q2 2026 is assets per employee ($8.4M vs. a $6.4M peer median). Its weakest relative measure is net interest margin (3.10% vs. 4.17%).
| Measure | The Brady National Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.23% | 1.46% | Middle third Ahead of 35% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.10% | 4.17% | Bottom third Ahead of 10% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.86% | 63.93% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.4M | $6.4M | Top third Ahead of 81% of peers |
| Loans to deposits Net loans and leases over total deposits. | 49.76% | 64.04% | Context |
What it means for lending operations
Its efficiency ratio of 63.86% is better than the 63.93% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The First National Bank of Eagle Lake Eagle Lake, TX · $168M
- The First National Bank of Quitaque Quitaque, TX · $167M
- Normangee State Bank Normangee, TX · $165M
- Big Bend Banks, N.A. Marfa, TX · $165M
- Fidelity Bank of Texas Waco, TX · $163M
- First State Bank Paint Rock, TX · $174M
Questions about The Brady National Bank
How big is The Brady National Bank?
The Brady National Bank, established in 1905, is headquartered in Brady, TX. It reported $168M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Brady National Bank's return on assets?
1.23% annualized in Q2 2026, against a 1.46% median for 117 TX banks with half to twice its assets, ahead of 35% of them.
What is The Brady National Bank's efficiency ratio?
63.86% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 63.93%, and lower is better.
Is The Brady National Bank growing its loans?
Net loans shrank 4.8% over the year to Q2 2026, while deposits grew 15.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.