Brazos National Bank (FDIC certificate #24038) is based in Richwood, Texas. Its Q2 2026 call report shows $27.6M in total assets and $11.1M in deposits and 1 office.
Brazos National Bank has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 20% of its 546 banks with under $100 million in assets. Among 349 banks headquartered in Texas, it ranks 286th. Capital cushion contributes the most (100/100, 56.08%); loan quality contributes the least (0/100, 5.07%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 23 points (85 → 62), mostly because the loan quality component weakened by 100 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 58 |
| Q3 2024 | 62 |
| Q4 2024 | 77 |
| Q1 2025 | 93 |
| Q2 2025 | 85 |
| Q3 2025 | 92 |
| Q4 2025 | 93 |
| Q1 2026 | 83 |
| Q2 2026 | 62 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 47.45% |
| Q3 2024 | 46.89% |
| Q4 2024 | 49.23% |
| Q1 2025 | 54.39% |
| Q2 2025 | 48.89% |
| Q3 2025 | 48.10% |
| Q4 2025 | 49.57% |
| Q1 2026 | 50.84% |
| Q2 2026 | 56.08% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.49% |
| Q3 2024 | 5.28% |
| Q4 2024 | 1.33% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 5.07% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.44% |
| Q1 2025 | 2.02% |
| Q2 2025 | 1.05% |
| Q3 2025 | 1.99% |
| Q4 2025 | 2.30% |
| Q1 2026 | 0.76% |
| Q2 2026 | 1.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $27.6M | 56.08% | 5.07% | 1.36% | 138.8% |
| Q1 2026 | 83 | $32.2M | 50.84% | 0.00% | 0.76% | 215.5% |
| Q4 2025 | 93 | $31.2M | 49.57% | 0.00% | 2.30% | 216.4% |
| Q3 2025 | 92 | $31.8M | 48.10% | 0.00% | 1.99% | 209.2% |
| Q2 2025 | 85 | $32.0M | 48.89% | 0.00% | 1.05% | 212.7% |
| Q1 2025 | 93 | $30.6M | 54.39% | 0.00% | 2.02% | 207.5% |
| Q4 2024 | 77 | $28.6M | 49.23% | 1.33% | 1.44% | 176.5% |
| Q3 2024 | 62 | $30.0M | 46.89% | 5.28% | 1.53% | 175.8% |
| Q2 2024 | 58 | $32.1M | 47.45% | 3.49% | 0.91% | 179.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of LipanBank Lipan, TX | 78 out of 100, Strong | $25.9M | 10.6% | 0.00% | vs |
| Houston Bank & TrustBank Houston, TX | 73 out of 100, Strong | $38.5M | 93.0% | 0.00% | vs |
| Avana BankBank Abilene, TX | 79 out of 100, Strong | $39.6M | 17.5% | 0.00% | vs |
| The Bank of San Jacinto County, Coldspring, TexasBank Coldspring, TX | 97 out of 100, Very strong | $42.0M | 17.8% | 0.00% | vs |
| Robert Lee State BankBank Robert Lee, TX | 64 out of 100, Moderate | $42.9M | 14.1% | 2.09% | vs |
| The Donley County State BankBank Clarendon, TX | 66 out of 100, Moderate | $49.7M | 20.9% | 2.77% | vs |
Deposit insurance
Is my money safe at Brazos National Bank?
Yes. Brazos National Bank is an FDIC-insured institution (FDIC certificate #24038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.9% of deposits ($1.1M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 56.08%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 99.50% (benchmark: 10%).
1 location
Branches
Brazos National Bank lists 1 office in 1 city. Most locations:
- Richwood, TX (1)
Identity & history
Profile
- Legal name
- Brazos National Bank
- Former names
- Brazoswood National Bank
- Type
- National bank
- FDIC certificate #
- 24038
- RSSD ID
- 863362
- Primary regulator
- OCC
- Holding company
- Gulfport Bancshares of De Inc
- Established
- August 2, 1982
- Headquarters
- 2300 Brazosport Blvd N, Richwood, TX 77531
- Website
- www.brazosbank.com
- Employees
- 26
Quick answers
Brazos National Bank: common questions
Is Brazos National Bank FDIC insured?
Yes. Brazos National Bank is an FDIC-insured institution (FDIC certificate #24038). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Brazos National Bank's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Brazos National Bank ever failed?
There is no failure record for FDIC certificate #24038 in the FDIC failed bank list.
How many branches does Brazos National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Richwood
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Old Ocean Federal Credit UnionCredit union Sweeny, TX | 98 out of 100, Very strong | $41.6M | 20.5% | 0.24% | vs |
| SouthStar Bank, S.S.B.Bank Moulton, TX | 77 out of 100, Strong | $1.4B | 13.3% | 0.62% | vs |
| Texas Gulf Bank, National AssociationBank Houston, TX | 76 out of 100, Strong | $726.9M | 12.0% | 0.00% | vs |
| Texas First BankBank Texas City, TX | 75 out of 100, Strong | $2.3B | 10.0% | 0.17% | vs |
| The Moody National BankBank Galveston, TX | 73 out of 100, Strong | $1.5B | 15.9% | 1.03% | vs |
| Third Coast BankBank Humble, TX | 71 out of 100, Strong | $6.7B | 11.4% | 0.50% | vs |