Brazos National Bank

2300 Brazosport Blvd
Richwood, TX 77531

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 24038
Date Established 1982
Assets $0.03 billion
Loans $0.02 billion
Deposits $0.01 billion
Capital $0.01 billion

Brazos National Bank is an FDIC insured institution located in Richwood, TX. It was founded in 1982 and has approximately $0.03 billion in assets.

For a more detailed analysis of Brazos National Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Bank Loan Profile?

The top three loan types in Brazos National Bank’s loan portfolio are 1-4 Family Residential Loans, Small Business Loans, and Commercial Real Estate.

Compared to other banks in Texas, Brazos National Bank has a significantly higher percent of 1-4 Family Residential Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 95.17
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 1.14
Small Business Loans 2.18
Construction and Development Loans 0.00
Commercial Real Estate 2.18
Commercial and Industrial Loans 1.00
Farm Loans 0.00

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Brazos National Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2018

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4.553% 4.500% 0.13 $1,550 $1,267 Learn More
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AimLoan.com NMLS#2890
NMLS ID: 2890
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4.320% 4.250% 0.38 $2,190 $1,230 Learn More
PenFed Credit Union
NMLS ID: 401822
4.459% 4.375% 0.00 $2,500 $1,249 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to Brazos National Bank
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Branches

Brazos National Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Brazos National Bank Locations

Financial Details

Brazos National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Brazos National Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Brazos National Bank U.S. Bank Average
1.81% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of September 30, 2017, Brazos National Bank had $144,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $7,752,000 in equity and $184,000 in loans loss reserves. That gives it a Texas Ratio of 1.81%.

Return on Equity
Brazos National Bank U.S. Bank Average
9.07% 8.84%

Brazos National Bank has a Return on Equity of 9.07% versus the BestCashCow average of 8.84%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Brazos National Bank U.S. Bank Average
27.76% 12.21%

Brazos National Bank has a Capitalization of 27.76% versus the BestCashCow average of 12.21. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Brazos National Bank Balance Sheet Analysis

As of December 31, 2017, Brazos National Bank had assets of $27,923,000, loans of $22,775,000, and deposits of $14,895,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

ASSETS
Cash & Balances due from depository institutions $0.00 billion
Interest-bearing balances $0.00 billion
Total securities $0.00 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.02 billion
Loan loss allowance $0.00 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.02 billion
LIABILITIES
Total deposits $0.01 billion
      Interest-bearing deposits $0.00 billion
      Deposits held in domestic offices $0.01 billion
      % insured (estimated) 89.38%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.02 billion
      Shareholders’ Equity $0.01 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.00 billion
Total Interest Expense $0.00 billion
Net interest income $0.00 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.00 billion

Frequently Asked Questions About Brazos National Bank

Branches and Savings

Is Brazos National Bank FDIC insured?

Yes. It is covered under FDIC Certificate #24038.

Why does Brazos National Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Brazos National Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Brazos National Bank a commercial bank?

Yes

Where are Brazos National Bank locations?

See branch locations nearby.

Is Brazos National Bank open on Saturdays?

Is Brazos National Bank open on Sundays?

What time does Brazos National Bank open?

What time does Brazos National Bank close?

Are Brazos National Bank ATMs Open 24/7?

Do Brazos National Bank ATMs accept cash deposits?

Can Brazos National Bank customers use other ATMs?

Do Brazos National Bank branches have notaries?

Will Brazos National Bank notarize my document?

What address for Brazos National Bank should I put for incoming ACH transfers?

Will the Brazos National Bank branch print checks?

Do Brazos National Bank checks expire?

Does Brazos National Bank require US citizenship to open account?

Can Brazos National Bank close my account?

Does Brazos National Bank Report to credit bureaus?

Does Brazos National Bank Use Equifax?

What is Brazos National Bank's ACH Routing Number?

What is Brazos National Bank's SWIFT code?

Products

Does Brazos National Bank offer mortgages?

Compare mortgage rates here.

Does Brazos National Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Brazos National Bank offer personal loans?

Compare personal loan rates here.

Does Brazos National Bank offer student loans?

Will Brazos National Bank cash a check?

Will Brazos National Bank redeem a savings bond?

Does Brazos National Bank cash savings bonds?

Will Brazos National Bank cash money orders?

Can Brazos National Bank issue a money order?

Does Brazos National Bank do currency exchange?

Background on The Bank

Who owns Brazos National Bank?

How long has Brazos National Bank been around?

Can Brazos National Bank transfer to other banks?

Does Brazos National Bank have quick pay?

Does Brazos National Bank accept rolled coins?

Will Brazos National Bank accept loose change?

Where is Brazos National Bank headquarters?

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