Brenham National Bank
- Company typePrivate
- Founded1933
- HeadquartersBrenham, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingServices
Brenham National Bank firmographics
Firmographics- Name
- Brenham National Bank
- Legal name
- Brenham National Bank
- Website
- https://bnbank.bank
- Company type
- Private
- Founded year
- 1933
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Ownership category
- akta.pro rank
Brenham National Bank industry classification
Industry- Product category
- Community Banking
- NAICS
- Commercial Banking (522110), Commercial Banking (52211)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Real Estate (Commercial Property, REITs) (FSABACAH), Credit Cards & Revolving Credit (FSABAAAC), Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)
Keywords
Where Brenham National Bank is headquartered
LocationHeadquarters
- HQ city
- Brenham
- HQ country
- United States
- HQ region
- North America
Offices4 records
Markets served
Brenham National Bank business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Revenue model
- Net Interest Income: Primary revenue stream from spread between interest earned on loans (mortgages, commercial loans, agricultural loans, consumer loans, credit cards) and interest paid on deposits (checking, savings, CDs, IRAs, money market accounts).
- Non-Interest Income - Account Fees: Monthly maintenance fees, transaction fees, and service charges on consumer and business checking, savings, and money market accounts.
- Bill Payment Fees: BNB Bill Pay Plus subscription at $5.95/month for personal accounts (free with Signature Interest account), $5.95/month for business accounts including first 10 payments, additional transactions at $0.35-$0.50 each.
- Cash Management and Electronic Services: Fees for ACH services, wire transfers, Remote Deposit Capture, Positive Pay, and other electronic banking services for commercial customers.
- Card Processing Services: Revenue from merchant services partnership providing card payment processing for business customers through Texas Small Business Services.
- Other Banking Fees: Fees for overdrafts, stop payments, wire transfers, and other ancillary banking services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Signature Interest Checking - 1.00% APY on balances up to $25,000 |
| Subscription | Monthly | Success Savings - 0.010% APY |
| Subscription | Annual | CD Rates - Range from 0.050% to 3.500% APY |
| Subscription | Monthly | Momentum Money Market - 0.010% to 0.050% APY |
| Subscription | Monthly | Classic Money Market - 0.010% to 0.100% APY |
| Subscription | Monthly | Business Best Checking |
| Subscription | Monthly | Business Analysis Checking |
| Subscription | Monthly | Business Success Savings - 0.010% APY |
| Subscription | Monthly | Business Savings Account |
| Subscription | Monthly | BNB Bill Pay Plus - Personal |
| Subscription | Monthly | BNB Bill Pay Plus - Business |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels4 records
Brenham National Bank product offering
Product offeringCore offering
Brenham National Bank is a community bank that provides consumer and business banking products including checking accounts, savings accounts, CDs, IRAs, debit and credit cards, personal and commercial loans, mortgages, home construction loans, commercial real estate loans, agricultural loans, and cash management services. The bank distributes these products through four Texas branches, an ATM network, online and mobile banking platforms, and merchant services referral partnerships.
Product overview
Brenham National Bank is a regional financial institution offering a comprehensive suite of banking products and services primarily to consumers and small businesses in Texas. The bank's product portfolio centers around traditional deposit and lending products including checking, savings, CDs, IRAs, and various loan types (consumer, mortgage, commercial real estate, agricultural, and business loans). Digital banking services are delivered through Total Access Internet Banking, Mobile Banking Apps, Snap Deposit mobile check capture, and BNB Bill Pay Plus online bill payment. The bank also offers specialized services including merchant card processing, cash management, and an HSA product. A notable partnership with College Ave Student Loans provides educational financing options. The bank operates from multiple branches in the Brenham and College Station areas with FDIC insurance coverage.
Differentiator
Problem solved
Functional benefit
Products and services
- Consumer Checking Accounts
Quantifiable outcome
- Online and mobile banking available 24 hours a day
- +2 more outcomes
Companies that use Brenham National Bank
Customer profileSegments5 records
Ideal customer profiles5 records
Brenham National Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature6 records
Brenham National Bank partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- College Ave Student LoansminorBrenham National Bank partnered with College Ave Student Loans to provide student loan products including undergraduate, graduate, parent, and refinance loans. The bank refers customers to College Ave for education financing needs. Benefits include 3-minute application, instant credit decision, and no fees to apply.
- Texas Small Business Services (Pat Shaw)coreBrenham National Bank partnered with Texas Small Business Services and Pat Shaw to provide merchant card processing services for Brazos Valley business customers. Services include countertop terminals, mobile apps, virtual terminals, gateways, POS systems, non-profit programs, and QuickBooks plugins. Pat Shaw has provided payment solutions for over 20 years.
- College Ave Student LoansminorReferral partnership for student loan refinancing. College Ave offers refinancing for graduates to reduce monthly payments and total loan cost, combining multiple loans into one.
Scale indicators4 records
Recent moves9 records
Expansion highlights3 records
Brenham National Bank competitors and assessment
Company assessmentDirect peers
- Amarillo National Bank: Independent, privately held Texas community national bank with a similar branch-based deposit-and-loan model serving a regional Texas market; directly comparable in charter type, product mix, and community focus.
- Texas Bank and Trust Company: Independent Texas community bank providing deposit, lending, and treasury management services to consumers and businesses; directly comparable in private ownership and regional Texas footprint.
- First Financial Bank Texas: Privately held Texas community bank offering consumer and commercial deposit products, mortgages, and agricultural lending across multiple Texas regions; closely comparable in ownership structure and product breadth.
- First United Bank (Texas/Oklahoma): Regional community bank serving North Texas and Southern Oklahoma with consumer, commercial, and agricultural lending; comparable size, product mix, and community banking model.
- Citizens National Bank (Texas): Texas-based independent community bank with consumer and commercial banking, lending, and digital channels; comparable in scale, charter type, and community banking orientation.
- Vista Bank: Texas-based community bank offering consumer and commercial deposit products, agricultural lending, and digital banking; closely comparable in target market and product portfolio.
Broad incumbents
- Frost Bank (Cullen/Frost Bankers): Large Texas-headquartered regional bank with full-service consumer, commercial, and wealth management offerings across the state; a broader incumbent competitor with overlapping products and the College Station/Austin markets.
- Prosperity Bancshares: Large Texas-focused bank holding company with extensive branch network across the state; competes with Brenham in commercial lending and deposit gathering across Texas.
- Independent Bank Group: Texas-based bank holding company operating a multi-state community banking franchise; provides competitive context on Texas community bank valuations and operations.
- JPMorgan Chase (Texas retail): National mega-bank with significant Texas branch presence and superior digital capabilities; represents the primary competitive threat on deposit gathering and digital expectations within the Brazos Valley market.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Brenham National Bank social profiles
Digital presenceBrenham National Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Brenham National Bank leadership team
Management profileNumber of profiles
Profiles6 records
Brenham National Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Brenham National Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Brenham National Bank
What does Brenham National Bank do?
Brenham National Bank is a community bank that provides consumer and business banking products including checking accounts, savings accounts, CDs, IRAs, debit and credit cards, personal and commercial loans, mortgages, home construction loans, commercial real estate loans, agricultural loans, and cash management services. The bank distributes these products through four Texas branches, an ATM network, online and mobile banking platforms, and merchant services referral partnerships.
Is Brenham National Bank a public or private company?
Brenham National Bank is a private company. It is classified as unknown and is currently operating.
When was Brenham National Bank founded?
Brenham National Bank was founded in 1933. It employs 1 to 10 people.
Where is Brenham National Bank based?
Brenham National Bank is headquartered in Brenham, United States, in the North America region.
How does Brenham National Bank make money?
Six revenue lines are on record. Net Interest Income is the primary driver. The others are non-Interest Income - Account Fees, bill Payment Fees, cash Management and Electronic Services, card Processing Services and other Banking Fees.
Who are Brenham National Bank's main competitors?
Direct peers on record are Amarillo National Bank, Texas Bank and Trust Company, First Financial Bank Texas, First United Bank (Texas/Oklahoma), Citizens National Bank (Texas) and Vista Bank. Broad incumbents are Frost Bank (Cullen/Frost Bankers), Prosperity Bancshares, Independent Bank Group and JPMorgan Chase (Texas retail).
Does Brenham National Bank have an API?
No public API is recorded for Brenham National Bank.
What industry is Brenham National Bank in?
Brenham National Bank's product category is Community Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSABACAH, Real Estate (Commercial Property, REITs). Its NAICS code is 522110 and its SIC code is 6021.