The Commercial National Bank of Brady

The Commercial National Bank of Brady is headquartered in Brady and is the 347^th largest bank in the state of Texas. It is also the 4,378^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 34 employees at 2 locations. The Commercial National Bank of Brady has a 5-star health rating.

The Commercial National Bank of Brady Checking Account Rates

The Commercial National Bank of Brady Savings Account Rates

The Commercial National Bank of Brady Money Market Rates

The Commercial National Bank of Brady CD Rates

The Commercial National Bank of Brady IRA Rates

Data for Q1 2012

Institution Statistics The Commercial National Bank of Brady FDIC Certificate # 3110 BankRate Report View Year Established 1907 Employees 34 Primary Regulator OCC Assets and Liabilities Assets $123.88 million Loans $56.55 million Deposits $106.32 million Equity Capital $17.38 million Loan Loss Allowance $761,000 Unbacked Noncurrent Loans $148,000 Historic Data - March 2011 Assets $117.39 million Equity Capital $16.04 million Loan Loss Allowance $697,000 Unbacked Noncurrent Loans $257,000 Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 1.9% Return on Equity 13.81% Interest Income $1.33 million

Institution Health Overall Score: 5 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 March 31, 2012 The Commercial National Bank of Brady had $148,000 in non-current loans and owned real-estate with $18.14 million in equity and loan loss allowances on hand to cover it. This gives The Commercial National Bank of Brady a Texas Ratio of 0.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Commercial National Bank of Brady decreased significantly from 1.54% as of March 31, 2011 to 0.82% as of March 31, 2012, resulting in a positive change of 46.86%.This indicates that the balance sheet and financial strength for The Commercial National Bank of Brady has improved significantly in recent periods. Deposit Growth In the past year, The Commercial National Bank of Brady has increased its total deposits by $5.18 million, resulting in 5.12% 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 The Commercial National Bank of Brady has shown is excellent. 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. The Commercial National Bank of Brady has $123.88 million in assets with $18.14 million in equity, resulting in a capitalization level of 14.64%, which is excellent.

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