The Brenham National Bank

Headquarters

2211 S Day St
Brenham, TX 77833
See all branch locations →

Notable Rates	APY	Vs.Others
Savings	N.A.	4.66% →
1-Year CD	N.A.	4.59% →
2-Year CD	N.A.	4.25% →
5-Year CD	N.A.	4.20% →
30-Year Mortgage	N.A.	4.91% →
15-Year Mortgage	N.A.	4.39% →
HELOC	N.A.	0.99% →

Overview
Deposit Rates
Loan Rates
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Climate
Financial Details
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2025 Overview

General Bank Information

The Brenham National Bank is an FDIC insured institution located in Brenham, TX. It was founded in 1933 and has approximately $0.48 billion in assets. Customers can open an account at one of its 3 branches.


FDIC Insured	Yes
FDIC Certificate	# 3113
Date Established	1933
Assets	$ 484.49 million
Loans	$ 241.37 million
Deposits	$ 440.14 million
Capital	$ 41.40 million

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

Deposit Rates - July 31, 2025

Your Current Location: Kentucky, KY 10007

Loan Rates - July 31, 2025

Your Current Location: Kentucky, KY 10007

There are currently no loan rates available for The Brenham National Bank

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

Featured - Kentucky 30 Year Fixed Mortgage Rates 2025

Lender	APR	Rate (%)	Monthly Payment	Learn More
NMLS ID: 1039147 License#: mb92590	6.292%	6.124% 1.00 points $5,819 fees	$1,945	Learn More
NMLS ID: 1067	6.446%	6.375% 0.75 points $2,387 fees	$1,997	Learn More
NMLS ID: 1025894	6.586%	6.490% 0.75 points $3,225 fees	$2,021	Learn More
NMLS ID: 1675638	6.603%	6.490% 0.88 points $3,777 fees	$2,021	Learn More

See More Mortgage Rates →

Featured - Kentucky Home Equity Line Of Credit Rates 2025

Lender	APR (%)^?	Monthly Payment^?	Learn More
Upstart See Table	Intro APR 6.520 % After Intro: 6.520 %	$20,800	Learn More More Info
1. Upstart Mortgage offers HELOCs from $26K-$250K. An initial draw of 80% of the approved credit limit is required at account opening. 2. Terms shown here are subject to change without notice. APRs for initial advances range from 6.52% to 18.00% based on rates offered as of July 2025. The lowest rate is only available to consumers willing to become a member of a credit union and to those who meet a minimum FICO score of 780, CLTV under 70%, and DTI under 45%. Your actual rate will depend on many factors such as your credit history, combined loan-to-value ratio (CLTV), line amount, loan term, lien position, and property state. Origination fee to open an account is between 0% and 4.99% of the approved credit limit. The Annual Percentage Rate ("APR") is variable and based on the Prime Rate as published in the Wall Street Journal "Money Rates" table plus or minus a margin. Your APR will never be less than 3.99% or greater than 18.00%. Property insurance is required. 3. All mortgage lending conducted by Upstart Mortgage, LLC. NMLS #2443873. As low as 6.52% APR on your initial draw* Get your money up to 6x faster than the industry standard* Fixed rate on each draw* No paperwork needed to apply
Figure Home Equity See Table	Intro APR 6.800 % After Intro: 6.800 %	$15,000	Learn More More Info
Available APRs range from 6.35% - 14.90%*, which includes the payment of a higher origination fee in exchange for a reduced interest rate, which is not available to all applicants or in all states.(the advertised APR includes a combined 0.25% discount for opting into a credit union membership (0%) and enrolling in autopay (0.25%) as well as payment of higher origination fee in exchange for a reduced rate, which is not available to all applicants or in all states). The lowest APRs are only available to the most qualified applicants, depending on credit profile and the state where the property is located, and those who also select five year loan terms; APRs will be higher for other applicants and those who select longer loan terms. Rates change frequently so your exact APR will depend on the date you apply. APRs for home equity lines of credit do not include costs other than interest. You will be responsible for an origination fee of up to 4.99% of your initial draw, depending on the state in which your property is located and your credit profile. You may also be responsible for paying the costs of valuation if an AVM is not available for your property ($180), manual notarization if your county doesn’t permit eNotary ($380), and recording fees ($0 - $315) and recording taxes, which vary by state and county ($0-$1,400 per one hundred thousand dollars borrowed). Property insurance is required as a condition of the loan and flood insurance may be required if your property is located in a flood zone. Flexible terms, borrow $15K-$750K, redraw up to 100% Use to consolidate debt or finance your next home project 100% digital app & automated valuation Largest non-bank HELOC lender in the US
Achieve Loans See Table	Intro APR 9.875 % After Intro: 9.875 %	$0	Learn More More Info
Home Equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and loan requests are subject to eligibility requirements, application review, loan amount, loan term, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000 and are assigned based on product type, debt-to-income ratio, and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.74% - 14.75% and are assigned based on underwriting requirements; offer APRs may include a discount for automatic payment enrollment (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month and can fluctuate during the draw period. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and typically include origination (3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may not exceed 80% (20 and 30 year debt consolidation requests may not exceed 75%), including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Equal Housing Opportunity. Contact Achieve Loans for further details. Competitive rates, Pre-qualify in minutes Mortgage Advisors standing by to help find the best solution Flexible terms with fast funding Minimum credit score: 640

See More Home Equity Rates →

Note to The Brenham National Bank
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Branches

The Brenham 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:
Hopkinsville,Kentucky

The Brenham National Bank Locations around zip code 10007

Branch	Distance	Map	View Lobby Hours
College Station Branch	636.32	A	View Lobby Hours
Chappell Hill Branch	655.82	B	View Lobby Hours
The Brenham National Bank	662.63	C	View Lobby Hours

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Climate Policy and Initiatives

The Brenham National Bank is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.

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Financial Details

The Brenham National Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of The Brenham 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

The Brenham National Bank	U.S. Bank Average
0.83%	5.08%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its 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 March 31, 2025, The Brenham National Bank had $372,000 in non-current loans and $0 in owned real estate. To cover these potential losses it had $41,404,000 in equity and $3,290,000 in loans loss reserves. That gives it a Texas Ratio of 0.83%.

Return on Equity

The Brenham National Bank	U.S. Bank Average
13.75%	9.95%

The Brenham National Bank has a Return on Equity of 13.75% versus the BestCashCow average of 9.95%. 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

The Brenham National Bank	U.S. Bank Average
8.55%	11.22%

The Brenham National Bank has a Capitalization of 8.55% versus the BestCashCow average of 11.22. 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.

The Brenham National Bank Balance Sheet Analysis

As of March 31, 2025, The Brenham National Bank had assets of $484,489,000, loans of $241,370,000, and deposits of $440,139,000. 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

March 31, 2025

ASSETS
Cash & Balances due from depository institutions	$ 16.88 million
Interest-bearing balances	$ 10.46 million
Total securities	$ 200.58 million
Federal funds sold and reverse repurchase	N.A.
Net loans and leases	$ 241.37 million
Loan loss allowance	$ 3.29 million
Trading account assets	N.A.
Bank premises and fixed assets	N.A.
Other real estate owned	N.A.
Goodwill and other intangibles	N.A.
All other assets	$ 13.95 million
Total Assets	$ 443.09 million

LIABILITIES
Total deposits	$ 440.14 million
Interest-bearing deposits	$ 299.55 million
Deposits held in domestic offices	$ 440.14 million
% insured (estimated)	72.66%
Federal funds purchased and repurchase agreements	N.A.
Trading liabilities	N.A.
Other borrowed funds	N.A.
Subordinated debt	N.A.
All other liabilities	$ 1.77 million
Total Liabilities	$ 443.09 million
Shareholders’ Equity	$ 41.40 million

Summary Income Statement

March 31, 2025

INCOME AND EXPENSES
Total Interest Income	$ 5.21 million
Total Interest Expense	$ 0.85 million
Net interest income	$ 4.37 million
Provision for loan and lease losses	$ 0.36 million
Total non interest income	$ 0.37 million
Total non interest expense	$ 3.01 million
Pre-tax Net Operating Income	$ 2.72 million

Bank Loan Profile^?

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

Compared to other banks in Texas, The Brenham National Bank has a significantly higher percent of Construction and Development Loans, Commercial Real Estate 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	13.32		✓
Multifamily Mortgages	0.00	✓
Credit Card Loans	0.00	✓
Consumer Auto Loans	0.80		✓
Small Business Loans	0.00	✓
Construction and Development Loans	23.84			✓
Commercial Real Estate	35.41			✓
Commercial and Industrial Loans	5.59		✓
Farm Loans	0.27		✓

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