TellerScore

Headquartered in Brenham, Texas, The Brenham National Bank is a national bank with $517.7M in total assets and $464.5M in deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1933.

Based on its Q2 2026 filing, The Brenham National Bank scores 69/100, which we describe as moderate. That is higher than only 40% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 232nd. Its strongest component is funding & liquidity (86/100; 60% loans-to-deposits, 28% uninsured), and its lowest is loan quality (49/100; 1.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Tier 1 leverage ratio: 11.76%
Loan quality49/100
Noncurrent loans ÷ total loans: 1.54%
Earnings76/100
Return on assets (annualized): 1.41%
Funding & liquidity86/100
Loans ÷ deposits and uninsured-deposit share: 60.1% · 27.5% uninsured
Problem-loan coverage84/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.15%

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 rose 6 points (63 → 69), mostly because the earnings component improved by 14 points.

TellerScore
637178Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202475
Q4 202477
Q1 202578
Q2 202563
Q3 202564
Q4 202564
Q1 202666
Q2 202669
Tier 1 leverage ratio
5.00%8.38%11.76%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.55%
Q3 202410.72%
Q4 202410.70%
Q1 202511.17%
Q2 202511.36%
Q3 202511.51%
Q4 202511.17%
Q1 202611.45%
Q2 202611.76%
Noncurrent loans
0.15%0.99%1.82%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.19%
Q3 20240.19%
Q4 20240.16%
Q1 20250.15%
Q2 20251.80%
Q3 20251.82%
Q4 20251.70%
Q1 20261.59%
Q2 20261.54%
Return on assets
0.85%1.13%1.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.85%
Q3 20240.95%
Q4 20241.15%
Q1 20251.12%
Q2 20251.06%
Q3 20251.11%
Q4 20251.20%
Q1 20261.23%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$517.7M11.76%1.54%1.41%60.1%
Q1 202666$505.6M11.45%1.59%1.23%60.0%
Q4 202564$516.6M11.17%1.70%1.20%55.2%
Q3 202564$489.2M11.51%1.82%1.11%56.7%
Q2 202563$481.1M11.36%1.80%1.06%59.1%
Q1 202578$484.5M11.17%0.15%1.12%54.8%
Q4 202477$494.2M10.70%0.16%1.15%52.9%
Q3 202475$499.8M10.72%0.19%0.95%49.8%
Q2 202474$476.8M10.55%0.19%0.85%52.0%

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).

Capital ratio11.76%
62nd
Total risk-based capital18.10%
81st
Problem loans1.54%
18th
Net charge-offs0.01%
48th
Return on assets1.41%
60th
Net interest margin3.97%
51st
Efficiency ratio61.2%
53rd
Loans to deposits60.1%
83rd
Uninsured deposits27.5%
36th
Loan-loss reserves1.17%
47th
Texas ratio8.2%
23rd

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs
Citizens State BankBank Woodville, TX44 out of 100, Below average$511.4M13.2%3.10%vs
Texas Republic Bank, National AssociationBank Frisco, TX71 out of 100, Strong$510.6M13.3%1.06%vs
Citizens State BankBank Sealy, TX76 out of 100, Strong$507.0M10.3%0.00%vs
Colonial Savings, F.A.Bank Fort Worth, TX76 out of 100, Strong$501.8M46.1%0.38%vs
The First National Bank of MertzonBank Mertzon, TX90 out of 100, Very strong$500.3M15.7%0.00%vs

Deposit insurance

Is my money safe at The Brenham National Bank?

Yes. The Brenham National Bank is an FDIC-insured institution (FDIC certificate #3113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.5% of deposits ($127.9M) 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 11.76%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 18.10% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

The Brenham National Bank lists 4 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Brenham National Bank reported 55 home-loan applications under HMDA (LEI 549300QRAZQ8G8BM6H64): 41 originated ($17,195,000 total), 3 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
The Brenham National Bank
Former names
The Farmers National Bank in Brenham
Type
National bank
FDIC certificate #
3113
RSSD ID
227357
Primary regulator
OCC
Holding company
Brenham Bancshares Inc
Established
April 22, 1933
Headquarters
2211 S Day St, Brenham, TX 77833
Employees
61

Quick answers

The Brenham National Bank: common questions

Is The Brenham National Bank FDIC insured?

Yes. The Brenham National Bank is an FDIC-insured institution (FDIC certificate #3113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Brenham National Bank's TellerScore?

69 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 The Brenham National Bank ever failed?

There is no failure record for FDIC certificate #3113 in the FDIC failed bank list.

How many branches does The Brenham National Bank have?

4 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brenham

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens National BankBank Cameron, TX86 out of 100, Very strong$691.8M12.7%0.00%vs
Global One BankBank Houston, TX84 out of 100, Strong$333.2M14.5%0.27%vs
Germania Credit UnionCredit union Brenham, TX81 out of 100, Strong$19.5M12.6%0.00%vs
Fayette Savings Bank, SSBBank La Grange, TX81 out of 100, Strong$551.8M11.0%0.01%vs
The First National Bank of AndersonBank Anderson, TX81 out of 100, Strong$230.4M12.0%0.16%vs
Round Top State BankBank Round Top, TX80 out of 100, Strong$974.1M11.9%0.36%vs