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Bank of Brenham Review

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Bank of Brenham Savings
0.54% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


Started in 2001, Bank of Brenham has $352 million in assets along with deposits totaling $313 million, which makes it a small bank. Bank of Brenham, whose headquarters are in Brenham, Texas, lacks premium access to support representatives, with no live chat or all-day service options available. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. With a commendable 4.3 out of 5 stars, Bank of Brenham proves it is a great bank that you should seriously consider. Bank of Brenham offers a mixture of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs and mortgage products. It has a fair savings rate; other popular banks have higher rates. If you're interested in stress-free personal checking, the bank's standard checking account does not carry a monthly charge. Institutions that offer no-fee checking, in addition to a high savings APY are your best option for accruing the highest income on your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

Bank of Brenham has a savings rate of 0.54%, which is poor compared to the national average. Bank of Brenham's one-year CD earns at a rate of 1.92% and the five-year CD has a rate of 2.33%, while its highest-yielding money market account earns at an APY of 0.26%. Given Bank of Brenham's below average savings rate, you should consider opting for higher earning savings accounts with other banks.

How Bank of Brenham's Savings Rates Compare

Bank of Brenham Savings 0.54 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

On average, Bank of Brenham charges its customers extremely low fees in comparison to the national average. With no monthly fee, Bank of Brenham is ideal for those who want a basic banking experience. For those who visit the ATM often, Bank of Brenham is ideal because it charges no out-of-network ATM fees. Bank of Brenham does not reimburse out-of-network ATM fees, which means you will have to locate a Bank of Brenham ATM or pay the withdrawal fee.

Monthly Fee $0 National Average: $3.21
Non-network ATM Fee $0 National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

Bank of Brenham is a brick-and-mortar bank, with one total branches in Texas. It also offers access to mobile and web apps for simple access and banking on the go. Bank of Brenham's mobile app allows you to control your finances by reviewing current statements, transferring money and reaching support representatives. Bank of Brenham receives a superb consumer satisfaction score due to relatively few consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), a government agency that protects consumers in the financial sector.

Overall Mobile Rating NR
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

Bank of Brenham is currently a small bank and manages assets totaling $352 million and $313 million in deposits. Bank of Brenham's Texas Ratio is 1.51%, signifying a minute likelihood of failure. Additionally, Bank of Brenham is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare Bank of Brenham to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.54% APY $100
Checking Account 0.25% APY $100
Certificates of Deposit
  • 12 Month: 1.92% APY
  • 24 Month: 2.02% APY
  • 36 Month: 2.12% APY
  • 48 Month: 2.22% APY
  • 60 Month: 2.33% APY
$1000 for all terms
Money Market Account 0.19% APY $1000

Bank of Brenham has several deposit products like savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. Bank of Brenham does not have the best savings rate, which means you should consider looking elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. Bank of Brenham's CD rates are fair compared to other U.S. banks.

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Find a Bank of Brenham Near Me

Bank of Brenham has one physical branches across the U.S.

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