Headquartered in Brady, Texas, The Brady National Bank is a national bank with $167.7M in total assets and $153.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1905.
The Brady National Bank has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 168th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (50/100, 10.00%).
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 2 points (77 → 75), mostly because the funding & liquidity component weakened by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 75 |
| Q3 2024 | 76 |
| Q4 2024 | 75 |
| Q1 2025 | 75 |
| Q2 2025 | 77 |
| Q3 2025 | 76 |
| Q4 2025 | 74 |
| Q1 2026 | 74 |
| Q2 2026 | 75 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.11% |
| Q3 2024 | 10.26% |
| Q4 2024 | 10.23% |
| Q1 2025 | 9.79% |
| Q2 2025 | 10.39% |
| Q3 2025 | 10.34% |
| Q4 2025 | 10.00% |
| Q1 2026 | 9.78% |
| Q2 2026 | 10.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.07% |
| Q3 2024 | 1.07% |
| Q4 2024 | 1.08% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.23% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.25% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.23% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $167.7M | 10.00% | 0.00% | 1.23% | 49.8% |
| Q1 2026 | 74 | $161.5M | 9.78% | 0.00% | 1.26% | 54.0% |
| Q4 2025 | 74 | $163.9M | 10.00% | 0.00% | 1.25% | 52.3% |
| Q3 2025 | 76 | $152.5M | 10.34% | 0.00% | 1.24% | 56.5% |
| Q2 2025 | 77 | $144.4M | 10.39% | 0.00% | 1.23% | 60.5% |
| Q1 2025 | 75 | $147.3M | 9.79% | 0.00% | 1.22% | 60.3% |
| Q4 2024 | 75 | $156.9M | 10.23% | 0.00% | 1.08% | 55.6% |
| Q3 2024 | 76 | $142.6M | 10.26% | 0.00% | 1.07% | 59.9% |
| Q2 2024 | 75 | $137.5M | 10.11% | 0.00% | 1.07% | 57.5% |
2,650 peers · $100 million – $1 billion
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 Eagle LakeBank Eagle Lake, TX | 60 out of 100, Moderate | $167.7M | 11.4% | 2.25% | vs |
| The First National Bank of QuitaqueBank Quitaque, TX | 65 out of 100, Moderate | $167.1M | 10.6% | 1.71% | vs |
| Normangee State BankBank Normangee, TX | 86 out of 100, Very strong | $165.5M | 14.7% | 0.03% | vs |
| Big Bend Banks, N.A.Bank Marfa, TX | 95 out of 100, Very strong | $165.4M | 16.2% | 0.00% | vs |
| Fidelity Bank of TexasBank Waco, TX | 61 out of 100, Moderate | $162.8M | 10.6% | 0.05% | vs |
| First State BankBank Paint Rock, TX | 78 out of 100, Strong | $174.3M | 14.1% | 1.90% | vs |
Deposit insurance
Is my money safe at The Brady National Bank?
Yes. The Brady National Bank is an FDIC-insured institution (FDIC certificate #3109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.5% of deposits ($60.5M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.00%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 20.83% (benchmark: 10%).
1 location
Branches
The Brady National Bank lists 1 office in 1 city. Most locations:
- Brady, TX (1)
Identity & history
Profile
- Legal name
- The Brady National Bank
- Type
- National bank
- FDIC certificate #
- 3109
- RSSD ID
- 101952
- Primary regulator
- OCC
- Holding company
- Texas Country Bancshares Inc
- Established
- July 10, 1905
- Headquarters
- 101 S Blackburn St, Brady, TX 76825
- Website
- www.bradynational.bank
- Employees
- 20
Quick answers
The Brady National Bank: common questions
Is The Brady National Bank FDIC insured?
Yes. The Brady National Bank is an FDIC-insured institution (FDIC certificate #3109). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Brady National Bank's TellerScore?
75 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Brady National Bank ever failed?
There is no failure record for FDIC certificate #3109 in the FDIC failed bank list.
How many branches does The Brady National Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Brady
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Commercial National Bank of BradyBank Brady, TX | 78 out of 100, Strong | $425.4M | 10.2% | 0.00% | vs |