# BRENHAM NATIONAL BANK
BRENHAM, TX · FDIC certificate 3113 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 3 (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 | $517.7M | |
| Deposits | $464.5M | |
| Loans and leases | $282.5M | |
| Total equity | $50.1M | |
| Loans / deposits | 60.12% (p13 of band) | 82.04% |
| Liquid assets / assets | 41.00% (p84 of band) | |
| Uninsured deposits / deposits | 27.54% (p57 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.76% (p66 of band) | 10.81% |
| Unrealized securities loss / equity | -37.86% (p8 of band) | -8.10% |
| AOCI / equity | -0.95% (p24 of band) | |
| ROA (annualized) | 1.41% (p58 of band) | 1.28% |
| Net interest margin | 3.97% (p53 of band) | 3.91% |
| Efficiency ratio | 61.24% (p50 of band) | |
| Noncurrent loans | 1.54% (p83 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p47 of band) | |
| Reserve coverage of noncurrent | 75.84% | |
| Real estate % of loans | 96% | |
| Construction % of loans | 163.63% (p98 of band) | |
| Auto loans | $908,000 (0.32% of loans; DQ 0.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 11.1% | |
| Employees | 61 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 0 |  | construction >100% equity |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 2 | AOCI drag >20% of equity, construction >100% equity |  |
| 2013-09 | 3 | capital falling |  |
| 2013-12 | 3 | reserve under noncurrent | capital falling |
| 2014-03 | 1 |  | AOCI drag >20% of equity, reserve under noncurrent |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 1 |  |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 2 | capital falling |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 1 |  | capital falling |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 | reserve under noncurrent | construction >100% equity |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 | capital falling | reserve under noncurrent |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 1 | construction >100% equity |  |
| 2021-06 | 2 | charge-offs p90 |  |
| 2021-09 | 3 | capital falling |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 4 | AOCI drag >20% of equity, securities losses >30% of equity | charge-offs p90 |
| 2022-06 | 3 |  | capital falling |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 4 | charge-offs p90, reserve under noncurrent |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 3 |  | charge-offs p90 |
| 2026-06 | 3 |  |  |

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

- 2026-08-22 [Brenham National Bank Hosting Tailgate Party - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi3wFBVV95cUxOcW5JNzBHWU5kS2ZKeGI4eXhJVmktbThDQTJXZUZnTmQ1bkRQejE3UmlCUGxjYzFvV0xmTnBIU3EwRG1pNHM3QUFFbFVINXVmUDJ4THlHOWJoRUxGeWR5YUJDSDd6UHdKVEE1UnNyYi1hQVZVUXlrcUZtb2RabzRNaHVDYlBHT2lUV0xwVUNyQ1NERTFoX1hMN1BRUE9WVnBySzlNZkgySVY4RGd6OUdGcldLZENiQzhfcGxNUnFndjN1YU5GZEVUanY0NE1BaDNxWTdFUnhzZnpodWkzaEVj?oc=5) · SouthTexasNews.com
- 2026-08-22 [Brenham National Bank Hosting Tailgate Party - The Moore County News-Press](https://news.google.com/rss/articles/CBMiywFBVV95cUxQZk40cktFX1JwbExoSUpIU1VKOFNTaEFDVXh5RjdwejdZbHg5dm1nakpLOHI0cl9QQ3VHMHpNMS1LRVVqdTZZMk93Y0EtNmMyQnNyVTdPWGZhYjVSLVFOVHp5SkwzQ2VKSEQzQ3gzdDNJcko2SmZCZGZxNDgzS0s5ek1jNWRlTGFsbUh0M0I3elh5N1FneGNCOXM1b0lHVnNTZDdMNmNscWs0STY5cklSSUlJRl9OVUdFU3c4NW5uS3NLeGg4eDY5WDVLbw?oc=5) · The Moore County News-Press
- 2026-03-13 [Alfred couple greatly blessed in Brenham return - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi6gFBVV95cUxNNXBNN1JaTEs0alZsd09ZSVdLaHktVHl4Sld1OWVZbkpqb2tmVjJPUTJVWXZOcGhidW9BU3VGT2pEUkxIeU1aN21GWGdUOUwzT01mNjE2OUduSXRMT3NEQjgtVjJKVzRpQmViMXprWENKODdCV0ZscnhjaE9WaE5fVjZrMzZoZTVjd0Rjd0NYM3p5ZlJyT3FYN2VZWGxHU0h6Z0VsN2lvNFNqWFZ6QkZ3MVR4Rld4Zlo5UzNWa1JDVEFCYmotbU16Y0pYcHlqMEsxX3o4NGladTRJcXVxNGRuLVpoa0w0MlVub2c?oc=5) · SouthTexasNews.com
- 2021-04-14 [How 3 Brenham banks saved hundreds of businesses and jobs during height of pandemic - ABC13 Houston](https://news.google.com/rss/articles/CBMibkFVX3lxTFByMUYyQ0d3U21JRTNicDNBYzA4UXl0U2d1alMzNnVqcW81cnJSVmoyUFg3MDFtX3RJc2xSYndwbFJxQi11SXNRSDhsSjBNOGZ6U21HQ0xvNkFLZmNWYi10dVY3WEdxMHF6d2NQX3RR0gFzQVVfeXFMUDRvQUhRalZYN3A5ZXlGeU5CRXFJZVhBMDFnQjdkVW5td29yaUJlOWtnZFkzRHhCc3FJczZ5RU5Id0JNVkI0X2hvbENEanpyWkNmY0dfX2NvcXdyMml3ZVNuVnVObHZaV2xTeEdvZ25pam9MZw?oc=5) · ABC13 Houston
- 2024-01-29 [Winston Rosenbaum Obituary Jan 29, 2024 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMicEFVX3lxTE1HMXh3QllkNHpTbUoxVWttUnVBSllwUjl3bWpMQnlId05ndzRXUVBrbV8tQ3B2OENESTlvaW1ZMmw3Z3U0NVNiUjRxVEhlSzhuanFmUmU2NTR1RjdfOXQ2dUZkR0dyNVJPbDF3UHlGeDM?oc=5) · Memorial Oaks Chapel
- 2013-03-14 [Charles Lacy Obituary Mar 14, 2013 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMiakFVX3lxTFB5c0JtRFV3bjlNY1RDeW50Q2xYX1MxekJ2NGI1RDBfby1iMjhTdkdfcG16MVBROXJiLXFSRGZ0dWs2Uy1lVlBoZmpLY05JTHJIekY0Q09EYlJmSEozUEFyaFNxZXRDVmhTNHc?oc=5) · Memorial Oaks Chapel
- 2019-02-09 [Chappell Hill Chamber honors citizens, business - SouthTexasNews.com](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPTC1ZTWV0dGVGbGpnU215VDRLcUM2OHZiSG5hWjh0Vm1aM1paMXhscEdSMExlbEplaUEyTDUwZGxTSXMtNWlUalpWTlhMRWJlb3ZMNy1UMldJZGo5TVRpaTVFeEFmU05JVVJMZDRCNnhxNjJobUNsWktqeTRZNGkxZlN3SjJrSjRFRGpvNHkydUZveUxkaS1FUS0yYnZ2X3VTRUNDQnpteGV6dDhLd0tmX2tRbElMMjAzZFpaVzVGTEhQQ2R3M19IZFRaMFlFMVV4MHVLcXhBd1U4MG1RVzI4ZHBSYzFTWVFM?oc=5) · SouthTexasNews.com
- 2006-09-16 [John Dietz Obituary Sep 16, 2006 - Memorial Oaks Chapel](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1OYTZFSm1uc0p5NkZNd2UzeTZFTm9xcll5WDJoV05ncC1KSXc4VzBMbERRSTk4YVBmWFNnWW9IZVk4QVdiMXQ5a0lJcHV2T3NfdFhOUjF5UzJBZkg0VzZ4dlBUbmhrbTA?oc=5) · Memorial Oaks Chapel

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3113 (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/41.json (key "3113", 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