Institution Statistics
| Brazos National Bank | | FDIC Certificate # | 24038 | | BankRate Report | View | | Year Established | 1982 | | Employees | 26 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $26.22 million | | Loans | $17.06 million | | Deposits | $15.66 million | | Equity Capital | $4.43 million | | Loan Loss Allowance | $130,000 |
Historic Data - December 2010 | | Assets | $25.28 million | | Equity Capital | $4.36 million | | Loan Loss Allowance | $125,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.86% | | Return on Assets | 0.84% | | Return on Equity | 4.81% | | Interest Income | $1.14 million |
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Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Brazos National Bank had $0 in non-current loans and owned real-estate with $4.56 million in equity and loan loss allowances on hand to cover it. This gives Brazos National Bank a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Deposit Growth |  | | In the past year, Brazos National Bank has decreased its total deposits by -$1.12 million, resulting in -6.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Brazos National Bank has shown is poor. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Brazos National Bank has $26.22 million in assets with $4.56 million in equity, resulting in a capitalization level of 17.41%, which is excellent. |
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