Compared with Texas
2 of 13
compared fees are above the median.
11 below, 0 about the same.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
12th percentile; peer median 2.1%
FDIC call report data · Jun 30, 2026
Fees above the Texas median
of 13 compared; 11 below, 0 about the same
See the feesFee schedule read Oct 30, 2026
Call-report figures are for Brazos National Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 1,681 banks with under $300M in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Texas median | Published fees above the Texas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Brazos National Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 30, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 0.7% of revenue, below the 2.1% median of 1,681 banks with under $300M in assets (12th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $9K in Q2 2026, 29% above the same quarter a year earlier ($7K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
2 of 13 compared published fees sit above the Texas median; 11 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Texas medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Compared at $8.75, the middle of its prices
NSF / Returned Item
Each amount links to the fee schedule it was read from. Medians for Texas, the Dallas district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 50% from Q3 2025 to Q2 2026, to $9K. Its share of revenue, 0.7%, is below the 2.1% median for banks with under $300M in assets.
$9K
Brazos National BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 1,681 banks with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $7.50 to $10; we compare the midpoint.
Brazos National Bank · $28M in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 17 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Brazos National Bank(this institution) | Richwood, TX | $28M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| 1st Bank in Hominy | Hominy, OK | $45M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Overdraft not published |
| Avana Bank | Abilene, TX | $40M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Bank Of Jackson Hole Trust | Jackson, WY | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Bank of Mead | Mead, NE | $40M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Carrollton Federal Bank | Carrollton, KY | $44M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Citizens State Bank | Carleton, NE | $36M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cornerstone Bank | Clarinda, IA | $42M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cottonwood Valley Bank | Cedar Point, KS | $38M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Dysart State Bank | Dysart, IA | $17M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers State Bank | Pine Bluffs, WY | $35M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| First American Bank | Stonewall, OK | $34M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First State Bank in Temple | Temple, OK | $26M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Gala Bank | Ocala, FL | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hertford Savings Bank, SSB | Hertford, NC | $21M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Kindred State Bank | Kindred, ND | $43M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Liberty Bank, Inc. | Salt Lake City, UT | $11M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Martinsville First Savings Bank | Martinsville, VA | $32M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| North Side Federal Savings and Loan Association of Chicago | Chicago, IL | $42M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Portrait Bank | Winter Park, FL | $45M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Second Federal Savings and Loan Association of Philadelphia | Philadelphia, PA | $46M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| State Bank of Easton | Easton, MN | $28M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| State Bank of Lake Park | Lake Park, MN | $47M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| The Equitable Savings and Loan Company | Cadiz, OH | $9M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Washita State Bank | Burns Flat, OK | $44M | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Young Americans Bank | Denver, CO | $16M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 15 publish this fee(monthly maintenance)
10 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8.75, the middle of its two prices, against a peer median of $8 among 15 publishing peers.
Its two checking prices are $7.50 and $10.
$8.75 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Brazos National Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $9K | +$1K | +12.5% |
| Q1 2026 | $8K | +$1K | +14.3% |
| Q4 2025 | $7K | +$1K | +16.7% |
| Q3 2025 | $6K | −$1K | −14.3% |
| Q2 2025 | $7K | −$2K | −22.2% |
| Q1 2025 | $9K | +$2K | +28.6% |
| Q4 2024 | $7K | $0 | 0.0% |
| Q3 2024 | $7K | −$9K | −56.3% |
Financial cohort: 1,760 banks with under $300M in assets filing for Q2 2026; 1,681 reported a share above 0% and are counted, Brazos National Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Brazos National Bank by share.
Amounts from Brazos National Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per item
per item
per item
per hour
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Maintenance fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maintenance fee | $7.50Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Low balance fee | $6.95Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Account closed within 90 days of opening | $10Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Excess Withdrawals | $3Inside the U.S. middle 50% ($3 to $10 nationally) | per item | None |
| Excess Withdrawals | $1Below the U.S. middle 50% ($3 to $10 nationally) | per item | None |
Overdraft & NSF | |||
| Nonsufficient funds created by check, in person withdrawal, ATM withdrawal, or other electronic means – | $25Inside the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| OD Protection Transfer | $1Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Non-Network ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | per item | None |
Wire Transfers | |||
| Wire Transfer (Domestic Out) | $15Not compared: Charged per hour; comparison unavailable | per hour | None |
Check Services | |||
| Check printing | $0.20Inside the U.S. middle 50% ($0.20 to $18.69 nationally) | per item | None |
| Temporary check | $0.20Below the U.S. middle 50% ($1 to $4 nationally) | per item | None |
| Collection item (incoming) | $7.50Below the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
| Collection item (outgoing) | $10Inside the U.S. middle 50% ($10 to $26 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited checks (and other items) returned unpaid | $5Below the U.S. middle 50% ($9 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary | $5Inside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Other Fees | |||
| Photocopy | $0.25Below the U.S. middle 50% ($2 to $5 nationally) | per item | None |
Oct 30, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Brazos National Bank operates, and what regulators and customers have on file.
Branch footprint
1 offices in 1 state, $11.1M in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 1 | $11.1M |
Houston-Pasadena-The Woodlands, TX
0% of bank deposits, #101 of 107, unchanged over five years.
| Largest competitors here | Deposit share |
|---|---|
| JPMorgan Chase Bank, National Association | 47.7% |
| Wells Fargo Bank, National Association | 11.5% |
| Bank of America, National Association | 6.7% |
| Zions Bancorporation, N.A. | 3.7% |
| PNC Bank, National Association | 2.9% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Houston-Pasadena-The Woodlands, TX, Brazos National Bank holds 0% of bank deposits, #101 of 107, with 1 office.
900 offices of 38 institutions shown.
Showing 900 of 1,602 offices: the largest institutions' offices, with banks and credit unions in proportion.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
9 of 107 institutions shown. $360.4B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 0% share, 1 office, #101 of 107
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
376 offices of 105 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the OCC and Federal Reserve
The OCC and Federal Reserve have no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the OCC and Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.