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Brenham National Bank Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
|✓Fact Checked|Rates Last Updated and Verified: November 7, 2026
Brenham National Bank's 9-Month CD rates are at 3.15%, 14-Month CD rates are at 3.00%, 21-Month CD rates are at 2.36%, 12-17-Months 12 - 17-Month CD rates are at 0.05%, 18-23-Months 18 - 23-Month CD rates are at 0.05%. Brenham National Bank's savings rates are at 3.20%. Brenham National Bank's money market rates are at 0.10%. Brenham National Bank's top CD rate of 3.50% APY on a 9 month CD is 20% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A health rating. MonitorBankRates evaluates the financial stability of Brenham National Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 8.69%. Rates last updated and verified on 11/07/2026.
Brenham National Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Brenham National Bank? Share your experience about Brenham National Bank by leaving a review below, or read customer reviews before you decide to use Brenham National Bank.
Brenham National Bank has earned an overall safety grade of A (Excellent, Score: 96/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective FDIC regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Brenham National Bank has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
Our proprietary rating system evaluates financial stability including the Texas Ratio and capitalization and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
?
8.69%
ExcellentHigher than avg
Brenham National Bank Texas Ratio
Brenham National Bank's Texas Ratio is 8.69%, which is considered excellent and is higher than the national average of 5.85%.
Brenham National Bank has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
0.00% to 8.69% over 12 quarters, steadyFull history
Star Rating 4.0 to 5.0, Health Grade B+ to A
The Texas Ratio for this bank has held steady at a healthy level since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.
Brenham National Bank CD Rates
Product
Rate
APY
Term
Min. Deposit
View More
9-Month Jumbo CD
3.48%
3.50%
9 Months
$250,000
Min Deposit$250,000
DetailsInterest Paid at Maturity; BNB Checking Account Required
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 9-Month Jumbo
3.48%
3.50%
9 Month
$250,000
Min Deposit$250,000
DetailsInterest Paid at Maturity & BNB Checking Account Required
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 3.50% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
9-Month CD
3.14%
3.15%
9 Months
$5,000
Min Deposit$5,000
DetailsInterest Paid at Maturity; BNB Checking Account Required
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 3.15% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 9-month
3.14%
3.15%
9 Months
$5,000
Min Deposit$5,000
DetailsInterest Paid at Maturity & BNB Checking Account Required
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 3.15% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
14-Month CD
2.97%
3.00%
14 Months
$5,000
Min Deposit$5,000
DetailsBNB Checking Account Required
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 14-month
2.97%
3.00%
14 Months
$5,000
Min Deposit$5,000
DetailsBNB Checking Account Required
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
21-Month CD
2.34%
2.36%
21 Months
$5,000
Min Deposit$5,000
DetailsBNB Checking Account Required
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 2.36% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 21-month
2.34%
2.36%
21 Months
$5,000
Min Deposit$5,000
DetailsBNB Checking Account Required
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 2.36% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
12 - 17-Month CD
0.05%
0.05%
12-17 Months
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
18 - 23-Month CD
0.05%
0.05%
18-23 Months
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
180 - 364 Day CD
0.05%
0.05%
180 - 364 Days
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
24 - 29-Month CD
0.05%
0.05%
24-29 Months
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
30 - 35-Month CD
0.05%
0.05%
30-35 Months
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
31 - 179 Day CD
0.05%
0.05%
31 - 179 Days
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
36 - 47-Month CD
0.05%
0.05%
36-47 Months
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
48 - 59-Month CD
0.05%
0.05%
48-59 Months
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
60-Month CD
0.05%
0.05%
60 months or more
$1,000
Min Deposit$1,000
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 12-17-month
0.05%
0.05%
12-17 months
$50
Min Deposit$50
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 18-23-Month
0.05%
0.05%
18-23 months
$50
Min Deposit$50
Last Updated11/07/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 4 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 24-29-month
0.05%
0.05%
24-29 months
$50
Min Deposit$50
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 30-35-month
0.05%
0.05%
30-35 months
$50
Min Deposit$50
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 36-47-month
0.05%
0.05%
36-47 months
$50
Min Deposit$50
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 48-59-month
0.05%
0.05%
48-59 months
$50
Min Deposit$50
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Brenham National Bank Savings Rates
Product
Rate
APY
View More
Health Savings Account
0.01%
0.01%
Min Balance$100
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 0.01% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Success Savings Accounts
0.01%
0.01%
DetailsNo Minimum; Six free withdrawals per cycle
Last Updated11/07/2026
Rate History
2 changes since Sep 14, 2026 · 0.01% → 0.01% ▼ 0.00 pts · high 0.05% / low 0.01%
Oct 15, 20260.01%▼ from 0.05%
Oct 12, 20260.05%▲ from 0.01%
Sep 14, 20260.01%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Brenham National Bank Business Savings Rates
Product
Rate
APY
View More
Business Success Savings Accounts
0.01%
0.01%
Min Balance$0
DetailsBalance: $0; Six free withdrawals per month
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Brenham National Bank Money Market Rates
Product
Rate
APY
View More
Classic Money Market
0.10%
0.10%
Min Balance$500,000
DetailsBalance: $500,000 and over; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Classic Money Market
0.075%
0.075%
Min Balance$250,000
DetailsBalance: $250,000 to $499,999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.08% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Classic Money Market
0.05%
0.05%
Min Balance$100,000
DetailsBalance: $100,000 to $249,999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.05% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Momentum Money Market
0.05%
0.05%
Min Balance$100,000
DetailsBalance: $100,000 and over; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Classic Money Market
0.04%
0.04%
Min Balance$75,000
DetailsBalance: $75,000 to $99,999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.04% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Momentum Money Market
0.04%
0.04%
Min Balance$20,000
DetailsBalance: $20,000 to $99,999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.04% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Momentum Money Market
0.03%
0.03%
Min Balance$5,000
DetailsBalance: $5,000 to $19,999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.03% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Classic Money Market
0.02%
0.02%
Min Balance$50,000
DetailsBalance: $50,000 to $74,999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.02% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Momentum Money Market
0.02%
0.02%
Min Balance$1,000
DetailsBalance: $1,000 to $4,999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.02% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Classic Money Market
0.01%
0.01%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Momentum Money Market
0.01%
0.01%
Min Balance$0
DetailsBalance: $0 to $999; Transaction limitations: up to six withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Brenham National Bank Business Money Market Rates
Product
Rate
APY
View More
Business Classic Money Market
0.10%
0.10%
Min Balance$500,000
DetailsBalance: $500,000+; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Classic Money Market
0.075%
0.075%
Min Balance$250,000
DetailsBalance: $250,000 to $499,999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.08% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Classic Money Market
0.05%
0.05%
Min Balance$100,000
DetailsBalance: $100,000 to $249,999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Momentum Money Market
0.05%
0.05%
Min Balance$100,000
DetailsBalance: $100,000+; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Classic Money Market
0.04%
0.04%
Min Balance$75,000
DetailsBalance: $75,000 to $99,999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.04% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Momentum Money Market
0.04%
0.04%
Min Balance$20,000
DetailsBalance: $20,000 to $99,999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.04% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Momentum Money Market
0.03%
0.03%
Min Balance$5,000
DetailsBalance: $5,000 to $19,999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.03% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Classic Money Market
0.02%
0.02%
Min Balance$50,000
DetailsBalance: $50,000 to $74,999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Momentum Money Market
0.02%
0.02%
Min Balance$1,000
DetailsBalance: $1,000 to $4,999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.02% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Classic Money Market
0.01%
0.01%
Min Balance$25,000
DetailsBalance: $25,000 to $49,999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Business Momentum Money Market
0.01%
0.01%
Min Balance$0
DetailsBalance: $0 to $999; Transaction limitations: Up to six (6) withdrawals and pre-authorized transfers per statement cycle
Last Updated11/07/2026
Rate History
No change since Sep 20, 2026 · 0.01% APY · checked 10 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Brenham National Bank Other Rates
Product
Rate
Points
APY/APR
Term
View More
Signature Interest Checking
1.00%
-
1.00%
DetailsBalance: $0 to $25,000; Interest of 1.00% APY paid on balances up to $25,000
Last Updated11/07/2026
Rate History
No change since Sep 25, 2026 · 1.00% APR · checked 9 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Signature Interest Checking
0.05%
-
0.05%
DetailsBalance: $25,001 to ??; Balances over $25,000 earn 0.050% APY
Last Updated11/07/2026
Rate History
1 change since Sep 25, 2026 · 1.00% → 0.05% ▼ 0.95 pts · high 1.00% / low 0.05%
Nov 7, 20260.05%▼ from 1.00%
Sep 25, 20261.00%first recorded
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 180 - 364 Days
0.05%
-
0.05%
180 - 364 Days
Min Deposit$50
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
IRA 31 - 179 Days
0.05%
-
0.05%
31 - 179 Days
Min Deposit$50
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 0.05% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Starter Savings
3.16%
-
3.20%
12 months
Min Deposit$1,000
DetailsMax deposit $5,000; Limited to one per person
Last Updated11/07/2026
Rate History
No change since Oct 15, 2026 · 3.20% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Ultimate 50+
0.01%
-
0.01%
Min Balance$5,000
DetailsBalance: $5,000 to $14,999
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.01% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Ultimate 50+
0.02%
-
0.02%
Min Balance$15,000
DetailsBalance: $15,000 to $24,999
Last Updated11/07/2026
Rate History
No change since Oct 4, 2026 · 0.02% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Ultimate 50+
0.03%
-
0.03%
Min Balance$25,000
DetailsBalance: $25,000 and over
Last Updated11/07/2026
Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 11 times
Institution Ratings
5.0
Star Rating
A
Health Grade
◈ Texas Ratio: 8.69%
Financial Health History
Brenham National Bank’s Texas Ratio rose from 0.00% in Q3 2023 to 8.69% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 4.0 to 5.0 and its Health Grade from B+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.
Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.
Show the quarterly figures
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$518M
8.69%
5.0
A
March 31, 2026
$506M
9.08%
5.0
A
December 31, 2025
$517M
9.12%
5.0
A
September 30, 2025
$489M
9.86%
5.0
A
June 30, 2025
$481M
10.44%
5.0
A
March 31, 2025
$484M
0.90%
5.0
A+
December 31, 2024
$494M
0.99%
5.0
A+
September 30, 2024
$500M
1.05%
5.0
A+
June 30, 2024
$477M
1.24%
5.0
A+
March 31, 2024
$479M
1.33%
5.0
A+
December 31, 2023
$477M
1.34%
5.0
A+
September 30, 2023
$471M
0.00%
4.0
B+
Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates Star Rating:
Our rating for Brenham National Bank is derived from comprehensive financial data published quarterly by the FDIC.
Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.
Texas Ratio:
We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation:
We gather Brenham National Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Brenham National Bank's official website for the most current offers and terms.
Address
2211 S Day St,
Brenham, TX 77833 · Washington
Bank Holding CompanyBRENHAM BANCSHARES INC
FDIC Certificate #3113
RegulatorOCC
EstablishedApril 22, 1933
FDIC Insurance DateJanuary 1, 1934
Domestic Offices4
Total Branches4
FDIC Insured✓ Yes, up to $250,000 per depositor
Financials
MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (96/100)
Texas Ratio
8.69%
National Average Texas Ratio
5.85%
Return on Assets (ROA)
1.4116%
Return on Equity (ROE)
14.8100%
Non-Performing Loans Ratio (NPL)
0.84%
Total Assets
$517,689,000
Total Deposits
$464,456,000
Equity Capital
$50,078,000
Net Income
$3,623,000
Headquarters
Brenham
Total Branches and Offices
4
Source: FDIC — Last Updated June 30, 2026
2026 MBR Health & Safety Badge
Brenham National Bank earned the Verified Healthy badge
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Learn more about the MBR Health & Safety Badge program on our methodology page.
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Total Reviews
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Frequently Asked Questions About Brenham National Bank
Does Brenham National Bank offer CDs?
Yes. Brenham National Bank current CD rates include its 9-Month CD at 3.15% APY, its 14-Month CD at 3.00% APY and its 21-Month CD at 2.36% APY, verified by MonitorBankRates as of November 7, 2026.
Are CDs from Brenham National Bank FDIC insured?
Yes. Brenham National Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Brenham National Bank?
The highest Brenham National Bank CD rate is its 9-Month Jumbo CD at 3.50% APY, verified by MonitorBankRates as of November 7, 2026.
What CD terms does Brenham National Bank offer?
Brenham National Bank CD rates are 3.15% APY for a 9 month CD, 3.00% APY for a 14 month CD, 0.05% APY for a 17 month CD, 0.05% APY for an 18 month CD, 2.36% APY for a 21 month CD, 0.05% APY for a 23 month CD, 0.05% APY for a 2 year CD, 0.05% APY for a 3 year CD, 0.05% APY for a 4 year CD and 0.05% APY for a 5 year CD, verified by MonitorBankRates as of November 7, 2026. The institution may offer other terms or specials that are not listed here, so check with Brenham National Bank for its full lineup.
What is the highest savings rate at Brenham National Bank?
The highest Brenham National Bank savings rate is its 12-Months Starter Savings at 3.20% APY, verified by MonitorBankRates as of November 7, 2026.
What is the highest money market rate at Brenham National Bank?
The highest Brenham National Bank money market rate is its Business Classic Money Market at 0.10% APY, verified by MonitorBankRates as of November 7, 2026.
How many branches does Brenham National Bank operate?
Brenham National Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.
Is there a first-time homebuyer program?
Currently, Brenham National Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.
Are credit management and repair services offered?
While formal credit repair services are not currently listed, Brenham National Bank provides members with tools to manage their accounts and build a solid financial history.
Does Brenham National Bank offer online and mobile banking?
Most modern institutions like Brenham National Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bnbank.bank.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Brenham National Bank rates compare?
Brenham National Bank's top CD rate of 3.50% APY on a 9 month CD is 20% higher than the MonitorBankRates national average of 2.92% APY for that term, and it has an A health rating. Brenham National Bank's top rates are its 9-Months 9-Month Jumbo CD at 3.50% APY, its 12-Months Starter Savings at 3.20% APY and its Business Classic Money Market at 0.10% APY, verified by MonitorBankRates on November 7, 2026.
Current Brenham National Bank Rates
18-Month CD0.05%
24-Month CD0.05%
36-Month CD0.05%
48-Month CD0.05%
60-Month CD0.05%
Savings3.20%
MMA0.10%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
