TellerScore

Headquartered in Brady, Texas, The Commercial National Bank of Brady is a national bank with $425.4M in total assets and $365.2M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1907.

The Commercial National Bank of Brady has a TellerScore of 78 out of 100 (strong) based on Q2 2026 data — higher than 72% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 117th. Loan quality contributes the most (100/100, 0.00%); funding & liquidity contributes the least (52/100, 89% loans-to-deposits, 32% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.24%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings100/100
Return on assets (annualized): 2.90%
Funding & liquidity52/100
Loans ÷ deposits and uninsured-deposit share: 89.3% · 32.0% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.28%

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 15 points (63 → 78), mostly because the loan quality component improved by 46 points.

TellerScore
496479Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202470
Q3 202475
Q4 202476
Q1 202549
Q2 202563
Q3 202576
Q4 202576
Q1 202679
Q2 202678
Tier 1 leverage ratio
5.00%7.65%10.30%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.80%
Q3 20249.31%
Q4 20249.71%
Q1 202510.04%
Q2 202510.25%
Q3 202510.17%
Q4 20259.84%
Q1 202610.30%
Q2 202610.24%
Noncurrent loans
0.00%1.35%2.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.00%
Q4 20240.00%
Q1 20252.70%
Q2 20251.39%
Q3 20250.02%
Q4 20250.00%
Q1 20260.02%
Q2 20260.00%
Return on assets
1.85%2.69%3.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.85%
Q3 20242.48%
Q4 20242.77%
Q1 20253.06%
Q2 20253.32%
Q3 20253.53%
Q4 20253.25%
Q1 20262.93%
Q2 20262.90%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$425.4M10.24%0.00%2.90%89.3%
Q1 202679$397.2M10.30%0.02%2.93%88.6%
Q4 202576$374.2M9.84%0.00%3.25%98.0%
Q3 202576$370.7M10.17%0.02%3.53%107.2%
Q2 202563$370.4M10.25%1.39%3.32%95.2%
Q1 202549$330.3M10.04%2.70%3.06%86.6%
Q4 202476$322.7M9.71%0.00%2.77%83.6%
Q3 202475$306.9M9.31%0.00%2.48%82.8%
Q2 202470$319.7M8.80%0.24%1.85%78.0%

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 ratio10.24%
36th
Total risk-based capital14.35%
64th
Problem loans0.00%
87th
Net charge-offs0.00%
53rd
Return on assets2.90%
97th
Net interest margin6.72%
99th
Efficiency ratio50.3%
82nd
Loans to deposits89.3%
28th
Uninsured deposits32.0%
23rd
Loan-loss reserves1.15%
44th
Texas ratio0.3%
81st

Similar-size banks in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas State BankBank San Angelo, TX91 out of 100, Very strong$425.5M13.6%0.00%vs
The Lamesa National BankBank Lamesa, TX73 out of 100, Strong$426.8M12.0%1.74%vs
First Lockhart BankBank Lockhart, TX63 out of 100, Moderate$415.9M9.3%0.29%vs
Texas Champion BankBank Corpus Christi, TX64 out of 100, Moderate$436.6M10.5%0.39%vs
Broadstreet Bank S S BBank Mineola, TX70 out of 100, Strong$442.8M12.1%0.44%vs
West Texas State BankBank Snyder, TX60 out of 100, Moderate$443.7M10.5%1.77%vs

Deposit insurance

Is my money safe at The Commercial National Bank of Brady?

Yes. The Commercial National Bank of Brady is an FDIC-insured institution (FDIC certificate #3110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.0% of deposits ($116.9M) 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 10.24%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.35% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

The Commercial National Bank of Brady lists 5 offices in 5 cities. Most locations:

  • Brady, TX (1)
  • Burnet, TX (1)
  • Granite Shoals, TX (1)
  • Marble Falls, TX (1)
  • San Saba, TX (1)

All branch addresses and map

Identity & history

Profile

Legal name
The Commercial National Bank of Brady
Type
National bank
FDIC certificate #
3110
RSSD ID
42354
Primary regulator
OCC
Holding company
Commercial National Corp
Established
March 11, 1907
Headquarters
105 E 2nd St, Brady, TX 76825
Employees
73

Quick answers

The Commercial National Bank of Brady: common questions

Is The Commercial National Bank of Brady FDIC insured?

Yes. The Commercial National Bank of Brady is an FDIC-insured institution (FDIC certificate #3110). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Commercial National Bank of Brady's TellerScore?

78 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 Commercial National Bank of Brady ever failed?

There is no failure record for FDIC certificate #3110 in the FDIC failed bank list.

How many branches does The Commercial National Bank of Brady have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Brady

InstitutionScoreAssetsCapitalProblem loansCompare
The Brady National BankBank Brady, TX75 out of 100, Strong$167.7M10.0%0.00%vs