Community Reinvestment Act

CRA Public File

Your interest in Brady National Bank and our Community Reinvestment Program is appreciated.

Congress enacted the Community Reinvestment Act (CRA) to encourage financial institutions to invest in their communities and foster public comment concerning performance under the Act. The Act is a reaffirmation of our longtime efforts, and we are proud of the way our Bank has strived to fulfill its obligations to the citizens of McCulloch County. CRA underscored what we have always practiced: being a good neighbor and serving our community.

When you Bank with Us, you Bank with Brady

Below you will find each of the sections of the Bank's CRA Public File available for review.

The Community Reinvestment Act of 1977 (CRA)  encourages certain insured depository institutions, like Brady National Bank, to help meet the credit needs of the communities in which they are chartered, including low- and moderate-income (LMI) neighborhoods, consistent with safe and sound operation of such institutions.

The CRA requires federal banking agencies to assess a given institution's record of meeting the credit needs of its entire community, including LMI neighborhoods, consistent with safe and sound operation of such institution, and take such record into account in its evaluation of an application for a deposit facility by such institution.

Brady National Bank's CRA performance is periodically evaluated by our regulator the Office of the Comptroller of the Currency (OCC). Banks are given four possible ratings following their evaluation: Outstanding, Satisfactory, Needs to Improve or Substantial Noncompliance. 

Brady National Bank has maintained an Outstanding rating.
The public disclosure of the Bank's performance evaluation will be published here with our CRA Public File for your review.
Brady National Bank - Main Branch
101 South Blackburn Street

Brady, Texas 76825
Metropolitan Statistical Area (MSA) Number & Name
Metropolitan Division (MD)
Number & Name
McCulloch County, Texas
is a non-metropolitan county

County Name
McCulloch County
State Code County Code Census Tract Code
48 307 9503
Three Year History
No branch openings or closures

View Assessment Area Map


Map of McCulloch County Census Tracts and FFIEC Estimated Income Data

The Bank has delineated the boundaries of its facility-based assessment area as McCulloch County. This county is where the Bank's main and sole branch is located and where the Bank has originated a substantial portion of its loans.
As of Date LTD Ratio
March 31, 2024 55.04%
December 31, 2023 55.39%
September 30, 2023 58.40%
June 30, 2023 62.00%
March 31, 2023 55.04%
The Bank's Loan-to-Deposit Ratio is a measure of the proportion of the Bank's deposits used to fund loan credit issued by the bank. This can be used to measure the Bank's responsiveness to the credit needs of our community.

The latest quarterly measure and the quarterly measures for the prior calendar year are published here.

All written comments received from the public for the current year, updated on a quarterly basis, and each of the prior two calendar years that specifically relate to the Bank's performance in helping to meet community credit needs, and any response to the comments by the bank are published here.