# BRADY NATIONAL BANK
BRADY, TX · FDIC certificate 3109 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $167.7M | |
| Deposits | $153.2M | |
| Loans and leases | $77.5M | |
| Total equity | $13.6M | |
| Loans / deposits | 49.76% (p19 of band) | 73.59% |
| Liquid assets / assets | 50.04% (p78 of band) | |
| Uninsured deposits / deposits | 39.47% (p92 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.00% (p24 of band) | 11.76% |
| Unrealized securities loss / equity | -19.74% (p23 of band) | -6.57% |
| AOCI / equity | 0.79% (p96 of band) | |
| ROA (annualized) | 1.23% (p54 of band) | 1.17% |
| Net interest margin | 3.10% (p15 of band) | 3.93% |
| Efficiency ratio | 63.86% (p45 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p60 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 70% | |
| Construction % of loans | 21.35% (p55 of band) | |
| Auto loans | $1.4M (1.79% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 15.8% | |
| Employees | 20 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 1 | AOCI drag >20% of equity |  |
| 2013-12 | 3 | deposits shrinking, assets shrinking |  |
| 2014-03 | 0 |  | AOCI drag >20% of equity, deposits shrinking, assets shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 0 |  | capital falling |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | capital falling |  |
| 2018-06 | 0 |  | capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2020-03 | 3 | capital falling |  |
| 2020-06 | 3 |  |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2021-03 | 1 | uninsured deposits leaving |  |
| 2021-06 | 0 |  | uninsured deposits leaving |
| 2021-09 | 0 |  |  |
| 2021-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2022-03 | 1 | AOCI drag >20% of equity | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2022-06 | 3 | securities losses >30% of equity, assets shrinking |  |
| 2022-09 | 2 |  | assets shrinking |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | capital falling |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 2 | capital falling |  |
| 2025-06 | 1 |  | capital falling |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 0 |  | capital falling |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-03 [Darlene Friar - Brownwood News](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5YcldYYTM0T2ZGUzNsM1BrcFdSZTA0eTNsZGh3ZjZ5ZFp0bE1NRHk3WkFldjA5S19TenQ2bU9hMDBPTmZoOUpNaXlyckJLZzZiTmpuN001YW5zdFVJZnFxSmNpQ2E2Zw?oc=5) · Brownwood News
- 2023-04-08 [Charlotte Ann Tucker Obituary (2023) - Brady, TX - Leatherwood Memorial Chapels - Brady - legacy.com](https://news.google.com/rss/articles/CBMihgFBVV95cUxOMG1vcW1jZFVRYm8xMmtXTzNWcjBodWZreDM3cmNBUk9hd3pMNmI2V0RTNXN2ZGxyNFhuc09nQm1WakZ5TW1NSU9QZGRiRkQ3dUVEVHc5YThBOFZ0TVFVUVMycnZ4eHhlRFZITXM5MjlOS2huYzFmams0Slh3MU4xem9WbHJnZw?oc=5) · legacy.com
- 2026-02-25 [Waylon Cowan Obituary - Conroe, TX - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE1IbmxydWgtQ2Y5WWs0dXVEclAxZlhQaUwwSXFoOER2TnA3Q2ZfR1FMLVpfSDRLX25FS0ZEMHcyMWxPcFdHTVJrTWRTZGp2a1BvS0g0M2RUSUNHS1N5dEZMalFsSF9uMk4xRnZtNWY1RHdtWHl3OUtFTjl1UWZvVnc?oc=5) · Dignity Memorial
- 2021-10-06 [Frances Bingham Obituary (2015) - Of Pear Valley And Brady, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMilAFBVV95cUxPUG1uRzBoa2o3ekcyWVNqTE1rOWFDZGFtcnMyMDh3SlVmMEl5YXBNbkt3THVQTDBqZm5menlCVGlpOFM2OERabFVabl9ibDlFWjRBLXBwTGV4eUVyNUkwQlYxVndjOUhZY0dPTmpTUEhiODI0bWtvamxkSmdxWkMyOVVJVXhRU2NvcmhCRXdlUzhjYjAz?oc=5) · legacy.com
- 2023-09-11 [Jason Joe Montez Obituary (2023) - Brady, TX - Leatherwood Memorial Chapels - Brady - legacy.com](https://news.google.com/rss/articles/CBMigAFBVV95cUxPLWZOb2FXQnphQlJnUGphcWkxeDlOZktoUl80RlVVcU5kTTNTcjltM29zbE9ZYkJVMUctemg1QTNLN3ZDZlhhYTlfcnJ2M2YxUXRKWFZOWFg2Q2cwZzhTM3ZmSy1CbEczdEhsNmRsUHN0MWJaRkhJY0c0ZHYwUlNLcw?oc=5) · legacy.com
- 2023-03-14 [Bill Fore Obituary (2023) - Brady, TX - Leatherwood Memorial Chapels - Brady - legacy.com](https://news.google.com/rss/articles/CBMifEFVX3lxTE5pR0psTHBCMjQxNURiTE1zaGRTZmUtdHY5YUt5aWFTNzJBdXowY2wteUhFbXVqX01EZU0tVkVIYVRRZk11MEZvNml1QThEUmtkcUY4THJjTU5zZ2pwLWIxRy1lTGhDSThNUVpIVzFBb2FQXzRkeTE1V2l3TnY?oc=5) · legacy.com
- 2007-02-21 [ROYDEN GARTMAN Obituary (2007) - Brady, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxOS3lMRkgzczhDVzNyTU10WHZ1cFJfUFZOYVRvU0t6bUdSRExVaDBxZ1ZOUjMtaEZlRndkamRFY1VmNWRNU1J1Z09FdU1jeVFTY25aMGJPRUtWWVNuQXJHbU0zQURWckZlaGp5UzU5amZwSzZacjA0c3Z0Rm5KMnA1RmluajcwUE5INkRTai1XbHIwUXM?oc=5) · legacy.com
- 2006-12-13 [GEORGE CARRITHERS Obituary (2006) - Brady, TX - GoSanAngelo - legacy.com](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMGJOaGIxRERTUE1LM0FtVTRFSGVIX0NQYXZ2dnFnbkd3TnZ0QzI4N3dRNXVPMVBNeWo1RUgtYVJyMU0zZUtvY3h3S2tzYURQS2MzaWNVQ0h1MnNCaG5NQzM4NEZ5cmpvU25weFpQNHEzT3ItR1Y0TmZ2VXNyZEd4TndWYVpwT1BfT0RRa1RmenZHdlV0eDFR?oc=5) · legacy.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3109 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/37.json (key "3109", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide