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Brazos National Bank
Richwood, TX · FDIC Certificate #24038 · Chartered 08/0
Total assets
$27.64M
Total deposits
$11.08M
Total equity
$16.43M
Net loans
$15.38M
Branches (offices)
1
Net income (YTD)
$207.00K
Rank: #4,160 of 4,213 U.S. banks by assets · #345 of 346 in Texas. Assets changed -13.6% and deposits -1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.36% |
| Return on equity | 2.54% |
| Net interest margin (YTD) | 6.98% |
| Equity to assets | 59.42% |
| Tier 1 leverage ratio | 56.08% |
| Uninsured deposits (share of deposits) | 9.9% |
| Noncurrent loans (share of loans) | 5.07% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 138.8% |
| Real estate loans (share of loans) | 99.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $15.32M | 99.6% | |
| Commercial & industrial | $22.00K | 0.1% | |
| Consumer / individual | $93.00K | 0.6% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $29.45M | $14.61M | $17.00K | $14.73M |
| Jun 2023 | $28.83M | $13.80M | $91.00K | $14.97M |
| Jun 2024 | $32.12M | $11.79M | $139.00K | $15.22M |
| Jun 2025 | $31.98M | $11.19M | $160.00K | $15.67M |
| Jun 2026 | $27.64M | $11.08M | $207.00K | $16.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $11.08M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $11.08M.
Similar-sized banks
The Philadelphia Trust Company ($27.69M) · The Farmers State Bank ($26.60M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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