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The Commercial National Bank Of Brady
Brady, TX · FDIC Certificate #3110 · Chartered 03/1
Total assets
$425.39M
Total deposits
$365.22M
Total equity
$38.87M
Net loans
$326.01M
Branches (offices)
5
Net income (YTD)
$5.78M
Rank: #1,977 of 4,213 U.S. banks by assets · #176 of 346 in Texas. Assets changed 14.8% and deposits 20.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.90% |
| Return on equity | 31.84% |
| Net interest margin (YTD) | 6.72% |
| Equity to assets | 9.14% |
| Tier 1 leverage ratio | 10.24% |
| Uninsured deposits (share of deposits) | 32.0% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 89.3% |
| Real estate loans (share of loans) | 61.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $199.79M | 61.3% | |
| Commercial & industrial | $112.04M | 34.4% | |
| Consumer / individual | $6.84M | 2.1% | |
| Construction & development | $47.58M | 14.6% | |
| Agricultural | $11.04M | 3.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $220.52M | $205.87M | $1.96M | $14.24M |
| Jun 2023 | $261.46M | $244.89M | $2.20M | $15.94M |
| Jun 2024 | $319.72M | $288.27M | $2.74M | $20.54M |
| Jun 2025 | $370.41M | $304.41M | $5.66M | $29.92M |
| Jun 2026 | $425.39M | $365.22M | $5.78M | $38.87M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $365.22M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $365.22M.
Similar-sized banks
Texas State Bank ($425.54M) · Marion Center Bank ($425.18M)
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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