Brazos National Bank
Richwood, Texas · FDIC Cert #24038
Brazos National Bank is an FDIC-insured bank (Certificate #24038) with $32M in total assets and $12M in total deposits as of the Q2 2024 Call Report. Headquartered in Richwood, Texas, the bank maintains a Tier 1 capital ratio of 76.40% (Well-Capitalized) and a nonperforming loan ratio of 3.49%. BankHealthData assigns a composite Health Grade of C (63/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Brazos National Bank (FDIC cert 24038) is a community bank — $32M in total assets, $12M in deposits, serving the Richwood, Texas area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 76.40% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 3.49% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is in the normal range: 18.6% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is solid: ROA of 0.91% sits at or near the 1% benchmark for healthy U.S. banks. Net interest income, fee income, and operating efficiency are all in workable shape. Health-score trend is mildly positive across the recent-quarters window. The directional signal is favorable but not dramatic. Brazos National Bank carries a composite BankHealth grade of C (63/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Brazos National Bank
- Total Assets
- $32M
- Total Deposits
- $12M
- Tier 1 Capital Ratio
- 76.40%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 3.49%
- Liquidity Ratio
- 18.56%
- Return on Assets
- 0.91%
- Headquarters
- Richwood, Texas
- FDIC Certificate
- #24038
- Health Grade
- C (63/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Brazos National Bank holds a Tier 1 capital ratio of 76.40%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Brazos National Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Brazos National Bank shows average financial health. While not alarming, its Health Score of 63/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Brazos National Bank Compares
Brazos National Bank’s Health Score of 63 is 11 points below the Texas state average of 74 across 321 FDIC-insured banks. Its 76.40% Tier 1 capital ratio is 62.4 points above the US banking industry average near 14%. The 3.49% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.91% is below the national ROA benchmark of ~1.1%. Among 296 similarly-sized banks, the average Health Score is 68, meaning this bank ranks below its size cohort. Site-wide, Brazos National Bank is 7 points below the portfolio average of 70.
Frequently Asked Questions
Brazos National Bank has a Bank Health Score of C (63/100), placing it in average financial health. It holds a Tier 1 capital ratio of 76.40%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Brazos National Bank's Tier 1 capital ratio of 76.40% and nonperforming loan ratio of 3.49% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Brazos National Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #24038). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Brazos National Bank holds $32M in total assets and $12M in total deposits. It is headquartered in Richwood, Texas (FDIC Certificate #24038).
Brazos National Bank has a Tier 1 capital ratio of 76.40%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 3.49%, and the return on assets is 0.91%.
Yes. Brazos National Bank is FDIC-insured (Certificate #24038). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Brazos National Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.