Brazos National Bank

Headquarters: Richwood, Texas
Charter: Bank
Assets: $27.6M
Fed district: Dallas
Regulator: OCC
Holding company: Gulfport Bancshares of de Inc.

13 published fees; none has a market median to compare yet.

Source: its fee schedule, read Nov 4, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Nov 4, 2026

How these figures are measured

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	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. 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	Nov 4, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: Brazos National Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

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.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Compared at $8.75, the middle of its prices
Brazos National Bank: $7.50 to $10
Brazos National Bank: $7.50 to $10
U.S. median: no median
NSF / Returned Item
Brazos National Bank: $25
Brazos National Bank: $25
U.S. median: no median
Non-Network ATM
Brazos National Bank: $1
Brazos National Bank: $1
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Nov 4, 2026View sources

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.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Texas: Banks and credit unions headquartered in Texas that publish the fee.
Dallas district: Banks and credit unions headquartered in the Dallas Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income rose 50% from Q3 2025 to Q2 2026, to $9K.

Service-charge income, Q2 2026

$9K

$6KQ3 2025

$7KQ4 2025

$8KQ1 2026

$9KQ2 2026

Against the median

Brazos National BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

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.

Banks only
$9M to $47M in assets
Headquartered in 17 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
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.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.75 (9.4%) above the median of similar-sized banks.

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

Brazos National Bank: an account price on its scheduleIts comparison price, the middle of its prices: not a fee anyone is chargedPeer (equal prices stack)Peer median

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.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Brazos National Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $9K
vs prior quarter: +$1K+12.5%; from Q1 2026
vs a year earlier: +$2K+28.6%; from Q2 2025
vs start of range: +$2K+28.6%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: Brazos National Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

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%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Brazos National Bank’s own schedules, with a source for each figure.

Account Maintenance

Maintenance fee$10
per month
Maintenance fee$7.50
per month
Low balance fee$6.95
per month
Account closed within 90 days of opening$10
Excess Withdrawals$3
per item
Excess Withdrawals$1
per item

Overdraft & NSF

Nonsufficient funds created by check, in person withdrawal, ATM withdrawal, or other electronic means –$25
per item
OD Protection Transfer$1
per item

ATM & Card

Non-Network ATM$1
per item

Wire Transfers

Wire Transfer (Domestic Out)$15
Not compared: Charged per hour; comparison unavailable
per hour

Check Services

Check printing$0.20
per item
Temporary check$0.20
per item
Collection item (incoming)$7.50
Collection item (outgoing)$10

Cash & Deposit

Deposited checks (and other items) returned unpaid$5

Account Services

Notary$5

Other Fees

Photocopy$0.25
per item

Fee	Amount	Basis	Note
Account Maintenance
Maintenance fee	$10	per month	None
Maintenance fee	$7.50	per month	None
Low balance fee	$6.95	per month	None
Account closed within 90 days of opening	$10	Not stated	None
Excess Withdrawals	$3	per item	None
Excess Withdrawals	$1	per item	None
Overdraft & NSF
Nonsufficient funds created by check, in person withdrawal, ATM withdrawal, or other electronic means –	$25	per item	None
OD Protection Transfer	$1	per item	None
ATM & Card
Non-Network ATM	$1	per item	None
Wire Transfers
Wire Transfer (Domestic Out)	$15Not compared: Charged per hour; comparison unavailable	per hour	None
Check Services
Check printing	$0.20	per item	None
Temporary check	$0.20	per item	None
Collection item (incoming)	$7.50	Not stated	None
Collection item (outgoing)	$10	Not stated	None
Cash & Deposit
Deposited checks (and other items) returned unpaid	$5	Not stated	None
Account Services
Notary	$5	Not stated	None
Other Fees
Photocopy	$0.25	per item	None

Correct a fee source

Nov 4, 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.

Fee change alerts

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